Volume 17, Issue 3 • Fall 2012
At Seven Seventeen Credit Union, we are committed to providing our members with the best products and services available. We are pleased to introduce our newest account, Basic Checking. We have designed our newest checking account, which features a reduced overdraft fee among its benefits, to meet the unique needs of our members. Please take a few moments to learn more about this exciting new checking account from Seven Seventeen.
Key Features of Basic Checking: • No minimum balance required • Opening Deposit only $25 • Unlimited Check Writing • No Per Check Charge • VISA® Debit Card access1
• Monthly account service charge as low as $4.00 (regularly $7.00)2
• $1.50 discount off monthly fee if enrolled in
eStatements
• $1.50 discount off monthly fee for a single direct deposit of $200 or more per month
• Reduced Overdraft Privilege Fee of $19.50 per
occurrence when compared to our other checking accounts3
• 4-day grace period on the Basic Checking Negative Account Day Fee of $0.99/day4
• Overdraft Protection (transfer from another Seven
Seventeen account such as savings, line of credit, or
VISA) is available
• FREE unlimited ATM transactions at Seven Seventeen- owned ATMs
• FREE CALL24 (Telephone Banking)
• FREE Online Banking, Mobile Banking, and Bill Pay5 • This account does not earn dividends
Great checking account options
to meet your individual needs
No one-size-fits-all checking account will meet every individual’s financial needs. In addition to
our new Basic Checking account, Seven Seventeen
offers these distinct checking accounts to fit your personal lifestyle.
FREE Checking – No minimum balance, no monthly account service charge, no per check
charge.
WOW Checking* – Earn nationwide ATM refunds and earn a higher rate on your account when you use your debit card and some of our free electronic
services such as eStatements and online banking.
Benefits Plus Checking** – Great checking,
plus value-added benefits such as Free Identity Theft Protection, discounts on travel, dining and entertainment discounts, cash-back rewards on online purchases, and much more for a low monthly fee of just $5 ($4 for members age 50 and over). *The highest dividend, 1.50% APY (Annual Percentage Yield) as of 11/1/12, will be paid on balances up to $25,000 when all account requirements have been met. Account will pay .05% APY on balances greater than $25,000 and on the entire balance if all WOW Checking! requirements are not met. Dividends are compounded and credited monthly. The dividend rate is variable and subject to change without notice. Receive up to $25 in total ATM fee reimbursements each month on your WOW Checking!, including fees from other financial
institutions, when all account requirements are met, and when individual
ATM fees are not over $4.99 per transaction. ATM fees are credited at the end of the month. To qualify you must have a minimum single $200 direct deposit into your WOW Checking! each month, have a valid
email address, receive eStatements, perform at least one online banking
transaction, and make 15 Debit Card point-of-sale, credit or debit, transactions, which must be transmitted by the merchant and posted by close of business on the last business day of each month. Your account is insured up to $250,000. Must credit qualify.
**Some of these benefits need to be purchased separately, but at significantly discounted prices to be utilized. Benefits Plus® value-added benefits can be value-added to the WOW! Checking account or Basic Checking account for $5 per month ($4 for members age 50 and older), and are also available without a checking account for $9.95 a month.
Introducing
Basic Checking
Seven Seventeen President & CEO Gary Soukenik
Board of Directors
Jack Wilster ... Chairman
Raymond “Corky” Manofsky .. Vice Chairman Joe Noark ... Second Vice Chairman Cheryl DiGiacobbe ... Secretary/Treasurer
William Skeliski .. Assistant Secretary/Treasurer
Michael Robinson ... Director
Supervisory Audit Committee Don Woodard ... Chairman Mark Callion
Arlene Mathes
James A. Pugh
Gary Wilms
Main Phone Numbers
330–372–8100, 330–726–0344, 330–793–2495, 330–677–0001, 330–492–1106, or 800–775–7741
Fax us at ... 330–372–8337 After hours, to report lost or stolen cards ...
VISA® Credit Cards ... 800–991–4965
Debit Cards ... 800–264–5578 ATM Card ... Any main phone number
The direct number for:
Special Rate Hotline* ... 330–372–8115 Collection Department ... 330–372–8160 Home Mortgage Loans ... 330–372–8120 Office Hours*... 330–372–8350
*A 24-hour service.
Visit our Web Site at — www.sscu.net email us at — [email protected]
This credit union is federally insured by the
National Credit Union
Administration.
Owners’ Connection — Fall 2012
Upcoming Holidays
All Seven Seventeen offices will be closed the following days:
Thursday, November 22, 2012 – Thanksgiving Day Monday, December 24, 2012 – Christmas Eve Tuesday, December 25, 2012 – Christmas Day Tuesday, January 1, 2013 – New Year’s Day Monday, January 21, 2013 – Martin Luther King, Jr. Day
Visit www.sscu.net/holidays for a complete list of holiday closed dates.
2.
“Like” us on Facebook at www.facebook.com/sevenseventeen
Follow us on Twitter at www.twitter.com/sevenseventeen
*Free and dividend-bearing checking accounts are available. Non-members of Seven Seventeen must join the Credit Union to receive this offer. A $5.00 minimum opening deposit is required into your new savings account, which establishes membership. While not common to this offer, membership eligibility restrictions may apply. Please call for full details. Qualifications: This offer is valid on new primary Seven Seventeen checking accounts only (excluding business checking accounts). You must sign up for eStatements (online statements) OR currently have eStatements on your primary member account. Required: You must be 18 years of age and qualify to open a checking account. Opening deposit of $25.00 and, for new checking accounts
other than the edgeSM, a single direct deposit of at least $200.00 per month from payroll, Social Security, or
pension into your new checking account is required to receive bonus. (The direct deposit requirement is
waived for members of the edgeSM program, which is designed for members 18 – 25 years of age, when they
open a new primary checking account). Important: A $110.00 cash bonus will be paid into your primary savings account after your new checking account has been opened for 90 days and payroll, Social Security, or pension direct deposit is verified (if applicable). Offer is not valid for members who have closed a primary Seven Seventeen checking account in the past six months. A $5.00 cash bonus will be deposited to your primary savings account within 10 days after you sign up for eStatements; when signing up for eStatements, your eStatements email address and your NetWorth24 online banking email address must be the same (if applicable). A $10.00 cash bonus will be deposited to your primary checking account within six to eight weeks if you sign up for NetWorth24 Online Banking and Bill Pay and pay at least five bills online between November 1, and November 30, 2012, or a $10.00 cash bonus will be deposited to your primary savings account within six to eight weeks if you sign up for NetWorth24 Online Banking and Bill Pay and pay at least five bills online between December 1, and December 29, 2012. You must have NetWorth24 Online Banking to access Mobile Banking. Bill Pay is free if three or more bills are paid each month. In the event less than three bills are paid during a month, a fee may be charged for that month. These fees may be reduced or waived based on your STAR Member Rewards™ level. Ask for details. Cash bonuses are considered interest so you may receive a Form 1099-INT from us for tax purposes. This is a onetime offer, is non-transferrable and is not valid with any other promotion. Offers expire December 29, 2012. Please call for details.
**$717 Online Banking drawing information: Seven Seventeen will randomly select one member per week who actively uses NetWorth24 Online Banking (defined as at least one transaction made on your account) during the promotional period of November 4, to December 29, 2012. Weekly drawings will be held on Wednesdays for active online or mobile banking users identified from the previous week. Drawing dates are November 14, 21, 28, & December 5, 12, 19, 26, 2012 and January 2, 2013. Seven Seventeen employees, volunteers, and their immediate families are not eligible to win. Winners will have $717.00 deposited to their primary savings account which is considered interest; each winner will receive a Form 1099-INT from us for tax purposes. Odds of winning are based on the number of qualifying active online and mobile banking users each week between November 4, and December 29, 2012. Alternate form of entry is available and must be received by the close of business each Friday during the promotional period – Mail a 3 x 5 postcard to: Marketing Department – $717 Online Banking Incentive, Seven Seventeen Credit Union, 3181 Larchmont Ave., NE , Warren, OH 44483. Please include your name, mailing address, phone number, and best time to be
contacted. Please call for details.
Always on the go, or do you prefer
the comfort of home?
Either way, access your accounts 24/7 with Seven Seventeen’s Online and Mobile Banking.
Receive up to $125 with a new
Checking Account!
*Plus, we’re
giving away $717 to an Online
or Mobile Banking user each
week!
**Visit, call, or go to www.sscu.net/checking for details on Seven Seventeen checking accounts.
Then, open your account in branch or online
at www.sscu.net/join. If opening your account online, please use Coupon Code: Chkg1212.
Happy
Holidays
from all
of us at
Seven
Seventeen!
A publication of Seven Seventeen Credit Union
3.Introducing Seven Seventeen’s new Mobile App!
The latest enhancement to our mobile banking experience is here! We areexcited to provide the FREE1 Seven Seventeen Mobile App as a new way to access your accounts and credit union information wherever you are, 24/7. The App combines the benefits of www.sscu.net into an easy-to-use tool that’s simple to read and navigate through. It gives you fast and free access to account information and uses your phone’s built-in functions to provide a
better banking experience.
With our Mobile App, you can:
• Get quick access to NetWorth24* Online Banking to check balances, transfer funds and pay bills;
• Utilize GPS to get one-touch access and directions to branch locations and our surcharge-free ATMs;
• Look up current loan and deposit rates, find upcoming events, watch video content;
• And much more – in just a few taps!
Our Mobile App is free to download and use – you’ll need a web-enabled
Apple® or AndroidTM device or a Kindle Fire2. You can download the app on smartphone devices and tablets, including:
• Smartphones: iPhone® and AndroidTM
• Tablets: iPad®, AndroidTM, and the Kindle Fire
Need help downloading our new Mobile App for your device? Visit www.sscu.net/mobileapp. For more
information on mobile banking including text banking, our mobile website and the new mobile app, visit
www.sscu.net/mobilebanking.
Just look at all of the ways you can
connect
with Seven Seventeen!
• Mobile App • Online Loan Application
• NetWorth24 Online Banking and Bill Pay* • Mobile Loan App
• Text Banking • eLerts
• Mobile Banking* • Text Alerts
• Mobile Website • www.sscu.net
• CALL24 Telephone Banking • Facebook • eStatements (online statements) • Twitter
• Online Account Opening • YouTube
*You must have NetWorth24 to access Mobile Banking. Bill Pay is free if three or more bills are paid each month. In the event that less than three bills are paid during a month, a fee may be charged for that month. These fees may be reduced or waived based on your STAR Member Rewards™ level. Ask for details.
1-Seven Seventeen’s Mobile App is free. Your mobile carrier’s messaging and data rates may apply. 2-We support Apple devices running iOS 4.3 and greater. iPhone®
and iPad® are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. We support Android devices running 2.3 or
Owners’ Connection — Fall 2012
4.
For the past year, Seven Seventeen has been encouraging members to simplify their financial lives by providing
online financial tools and educational resources, and to
save by refinancing loans from other financial institutions
or consolidating debt through the Simplify & Save program.
During the same period of time, a team of credit union employees has been reviewing Seven Seventeen’s products, services, and programs to make sure your credit union is simplifying and saving too, in the best interest of
all its members.
Simply Rewarding
to replace
STAR
Member Rewards™
The
Simply Rewarding
Member Rewards Program
Effective
Primary
Preferred
Premium
January 1, 2013 Rewards level Rewards level Rewards level
Householdt Balances $10,000.00 - $24,999.99 $25,000.00 - $39,999.99 $40,000.00 or more
Rate Discount on .10% .15% .25%
Selected Loans*
Rate Increase on .05% .10% .20%
Certificates**
Overdraft Transfer FeeF $6.00 $4.00 FREE
It was more than ten years ago when Seven Seventeen launched the STAR Member Rewards™ program designed
to reward members for their participation in the financial
cooperative that is their credit union. In listening to member comments that our STAR Member Rewards™
program had grown to become too complicated, we
took our own advice to simplify. The STAR Member Rewards™ program will be replaced on January 1, 2013, with the Simply Rewarding Member Rewards Program. The simplified member rewards program takes the STAR Member Rewards™ program benefits that
members indicated were most valuable and places them into a much simpler program that will be simply rewarding.
As with the STAR Member Rewards™program, the Simply Rewarding program will be based on combined household deposit and loan balances. Rewards will focus on saving members money on loans, increasing rates on certificates, and reducing overdraft transfer fees. Reward levels start at $10,000 in total household combined loan and deposit
balances.
Introducing
a new way to
IMPORTANT: Eligible members will be notified of their Simply Rewarding Member Rewards level on their December 31, 2012 statement.
A publication of Seven Seventeen Credit Union
5.Simply Rewarding
Program Bonuses:
• Any household with a mortgage loan that is sold to a third party will automatically have members of their household remain at the Premium Rewards level for a period of seven years.
• Any relationship with Seven Seventeen Investment & Trust Services gives all household members a one reward level bump. Example: A Household with less than $10,000 in combined Seven Seventeen deposit and loan
balances, that has a Seven Seventeen Investment & Trust Services relationship, will be placed at the Primary Rewards Level.
Highlig
hts of changes:
The simplification and transition to the Simply Rewarding program will provide reductions of some fees. A copy of the Service Charge Schedule, effective January 1, 2013, was mailed with your September 2012 statement or can be
viewed at www.sscu.net/downloads.
• The $2.00 monthly service fee, under the STAR Member Rewards™ program, for households with less than $5,000 in total balances is being eliminated.
• The $3.00 fee for Electronic Funds Transfer (ACH) Origination is being eliminated. • The current fee on Stop Payments is being reduced by $5.00.
• The Corporate Check re-issue fee is being cut in half to $10.00.
• The only fee that will be increasing is the fee for Corporate Checks over $500, which will be $5.00. However, the average fee charged by local banks for the same service is more than $7.00.
A $3.00 monthly service fee for members of households with less than $1,000 in total combined deposits and loans will remain, but can be waived. Read below for more information.
Ways to avoid the $3.00 monthly service fee:
• The monthly service fee is waived if your household balances are $1,000 or more in combined deposits and
loans.
• The monthly service fee is waived if at least one checking account in your household is active. An “active” checking account is defined as 10 or more transactions per month.
• The monthly service fee is waived for six months for new members to allow time to grow relationships and to
transfer accounts from other financial institutions.
• The monthly service fee is waived if you have an insurance or investment relationship with Seven Seventeen Investment & Trust Services.
• Monthly service fee is waived for all members under age 26.
• Monthly service fee is waived for one year if a member is active military with proper documentation. • Members may submit an application to avoid the monthly service fee, if you meet certain requirements: Household income is $30,000 or less, members must have direct deposit, and have or sign-up for
eStatements.
Over the next several months, please watch for more information about the new Simply Rewarding Member Rewards Program. We invite you to regularly visit our website, at www.sscu.net, and follow us on Facebook and Twitter for the
latest news and updates.
tHouseholds consist of all Seven Seventeen members residing at the same mailing address. *No loan rate discounts are available for new member indirect loans;
current members can receive loan rate discounts on indirect loans. Call for details. **No certificate rate increases are available on certificate terms of less than 12 months. No certificate rate increases on certificates for the first 30 days of membership. FTransfer from Savings, VISA® credit card, or line of credit in the event you
Advisor
November 2012 Volume 3 • Number 3
Retirement • Insurance • Investments • Wealth Management
Yes, there are guarantees in life.
The MEMBERS
®Single Premium Immediate Annuity from CMFG Life Insurance Company provides retirement
income you can’t outlive. You receive monthly payments for life...and a guarantee to get back at least as much as
you put in.
For each $100,000 invested in a MEMBERS
®Single Premium Immediate Annuity with CMFG Life Insurance
Company, check out these examples of the guaranteed income paid out every year* — for as long as you live.
Income that lasts a lifetime.
Yes, there are guarantees in life.
The MEMBERS® Single Premium Immediate Annuity
from CMFG Life Insurance Company provides retirement income you can’t outlive. You receive monthly payments for life...and a guarantee to get back at least as much as you put in.
Call or visit today to learn how you can guarantee your income for life.
All guarantees are based on the claims-paying ability of CMFG Life Insurance Company.
Receive a 7.02% payout rate in
guaranteed income every year
for life.*
*Payout rates effective May 25, 2012 for Life with Cash Refund option. Rate shown is for male, age 75. The payout rate is the percentage of your purchase payment paid out each year and includes both interest and return of principal. It is not an interest rate. Payout rates are subject to change and vary by age, gender and option selected. Contact your representative for current payout rates for your situation. Contract minimum is $25,000. May not be available in all states. Insurance products are issued by CMFG Life Insurance Company (CMFG Life). Insurance products are sold through licensed CMFG Life representatives. All guarantees are based on the claims-paying ability of CMFG Life. MEMBERS Insurance & Investments is the marketing name for the products offered through CMFG Life.
©CUNA Mutual Group 2012 Base Policy Form 2008-SPIA-DB REV 0212
Income that lasts a lifetime.
Receive a 7.02
%
payout rate in guaranteed income every year for life.
*Life with Cash Refund
Under this option, payments are made for your
life-time, and at death if the total of all income payments is
less than your net purchase payment, the difference is
paid in a lump sum to the loved ones you have named
as your beneficiaries.
Male
Female
AGE 65
5.63%
5.46%
AGE 70
6.25%
6.08%
AGE 75
7.02%
6.85%
Call or visit today to learn how you can
guarantee your income for life.
Seven Seventeen Investment & Trust Services Advisor November 2012
Your Seven Seventeen Investment & Trust Services* team are:
Financial Advisors ... William C. Day Michael J. McMahon Paul D. Finch
Support Staff ... Lisa A. Mosko Jennifer Davies
Make your no-cost, no-obligation appointment by calling:
330–372–8102, 330–372–8054, 330–726–0344, 330–677–0001, 330–492–1106 or 800–775–7741,
ext. 8102 or 8054.
A Unique Opportunity to
Secure Your Financial Future
FR061205-51AA
*
*Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial
institution, through the financial services program, to make securities available to members.
The Valley’s Shale Boom:
330–372–8102 • 330–372–8054 • 330–372–8340
*
We can help!
• How will this affect you?
• Do you have a plan in place?
... Rollovers!
We accept ...
• Pension
• 401(k)
• IRA
For more information call
330–372–8102 or 330–372–8054.
Did you know?
Happy Holidays
from
Seven Seventeen
Investment & Trust Services
!
Paul
Lisa
Bill Mike
Jen
*
Owners’ Connection — Fall 2012
8.
We’re pleased to announce an update to our survey program that includes a new look. The updated survey is called You really count! As before,
randomly chosen members will receive either a paper survey in the mail or an email with a link to our online survey. While many members will receive a survey through the mail, email is the easiest, quickest, and most cost-effective way for us to provide a survey to you and for you to provide us your valuable
feedback. If you haven’t done so recently, we encourage you to provide us
your current email address.
The You really count! survey program will be conducted by Support Financial Resources on behalf of Seven Seventeen. Support Financial Resources does not use survey data collected for any other purpose. The survey data obtained by Seven Seventeen is held in strictest confidence, according to the credit union’s privacy policy. To review this policy, please visit www.sscu.net, or write to the credit union.
If you receive a You really count! survey: • Please follow the instructions provided,
• The survey will take less than 5 minutes to complete,
• You are not required, nor will you ever be asked, to provide personal or
account information, and
• Know that your responses are important and greatly appreciated.
As an extension of our Simplify & Save program, we are introducing Refi My Auto, a no-cost program for members to find out if Seven Seventeen can save them money. After all, helping members save money is one of the main goals of the Simplify & Save program.
If you are a member that has a vehicle loan at another financial institution, we’ve set up a secure website, www.sscu.net/refimyauto,
so you can find out if Seven Seventeen can save you money by refinancing that loan. It only take a few minutes to complete the online form, and simply put, we can save you money by reducing your interest payments or we can’t – either way, we’ll let you know. Plus, it’s free to find out if you can save money!
There are only a few short steps you need complete:
1. Go to www.sscu.net/refimyauto.
2. Answer a few questions about the vehicle loan you have at another
financial institution and hit submit.
3. We’ll carefully review your information and send you an email within two business days letting you know if we can save you money by reducing your interest payment. If we can’t, we’ll let you know that too. The Refi My Auto program is found exclusively online. Remember: if your email says we can save you money, don’t delay in contacting us. The sooner we can refinance your vehicle loan, the sooner you will start saving!
If you would like to open or learn
more about the new Basic Checking account, visit a branch office to speak with a member service representative, visit www.sscu.net/checking, or call
330-372-8100, 330-726-0344, 330-677-0001, 330-492-1106, or 800-775-7741. Let us help you find
a Seven Seventeen checking account
that will fit your needs. You can open your new accounts online at www.sscu.net/join.
1-Subject to credit approval. 2-Monthly Basic Checking account fee of $7.00 can be reduced by $1.50 with eStatements and by $1.50 with a single direct deposit of $200 or more with total reduction of up to $3.00 per month. 3-Must opt in for Overdraft Privilege coverage of every-day debit and ATM transactions. Overdraft Privilege fee of $19.50 per overdraft (non-sufficient funds) occurrence compared to $30.00 on other Seven Seventeen checking account types. 4-$0.99 per day negative account fee is waived during 4-Day Grace period. No negative day fee charged if account is negative by less than $10.00 or if account is brought back to positive by end of the fourth day after account goes negative. 5-You must have NetWorth24 to access Mobile Banking. Bill Pay is free if three or more bills are paid each month. In
the event that less than three bills are paid during
the month, a fee may be charged for that month. These fees may be waived or reduced based on you STAR Member Rewards™ level. Ask for details.
Basic Checking
... continued from page 1.You really count!
– a new look to our
member surveys
A publication of Seven Seventeen Credit Union
9.Seven Seventeen cares deeply about keeping your money safe while providing you with easy access to your accounts. With our online and mobile banking products, we have always focused on providing the most up-to-date security features. As such, we will be making some minor changes to our security protocols to ensure best practices and meet
government mandated guidelines that will be required of all financial service providers in the near future.
What are the changes?
There are two key changes that we are asking you to complete by December 31, 2012:
1. To ensure that your login is as strong and secure as possible, your User ID cannot be made up of only numbers.
Coming in January 2013, your User ID must be: • At least six characters long
• Must contain both letters and numbers, and
• Use at least one of the following special characters: @ $ * _ - = . ! ~
If your current login does not meet these upgraded minimum requirements in January, you will be prompted to create a new User ID and/or password. A lot of our members have already taken advantage of making their User ID stronger; however, if you have previously used your account number for your User ID, you will need to create a new, stronger ID, as outlined above.
2. Also in January, we are implementing a new requirement to verify your identity by phone when you log in. After providing your new, strong User ID and password, you will be asked to provide a phone number for either a mobile phone or a land line. You can enter up to two phone numbers. We will immediately send an access code to your phone (via voice or text message) that you will enter into your computer to complete your login. Many members have already used this method to receive their access code, and it is very fast. The option to receive your access code through email is still available; however, obtaining the access code by voice or text is the most secure way to gain access to your accounts online.
Is there anything you can do now?
If your User ID does not currently meet the new standards, please update your information now to the new standards (go to the “Change User ID” section on the User Options page of NetWorth24 Online Banking). If you do not complete the update before the security upgrade goes live in January, then you will be asked to update this information at that time. At that time, you also must have a phone handy and provide the phone number to receive your access code.
When will the upgrades take place?
The security upgrade will take place in January 2013. Additional information will be communicated in the near
future. Please watch your email and log on to www.sscu.net/onlinebanking regularly for the latest updates related to NetWorth24.
Important security upgrade
for NetWorth24 Online Banking users
Owners’ Connection — Fall 2012
10.
Try our Cash Management services
FREE for 90 days.
1Enroll today at www.sscu.net/EnrollCM
1Must send the first wire and/or ACH to SSCU within 30 days or business will be charged regular price.
Excludes International Wires. Offer is for new Cash Management customers only and can be changed or revoked at any time.
Business Checking • Commercial Loans • Online Business Services
www.sscu.net/business
•
330–372–8156
•
[email protected]
Business Made Easier.
I am Trish Mealy and I choose
Seven Seventeen
for my Business Banking.
We are appreciative to all the members and credit union
employees who have worked
together to make the Simplify
& Save program a continuing success. The goals of our Simplify & Save program from
the beginning were to help
our members simplify their
financial lives and to help
them save money. After 15 months of the program, we’ve saved
members more than $17 million in loan interest
savings! These savings have been achieved primarily by consolidating debt and
reducing the cost of financing on loans held elsewhere, such as refinancing a home mortgage or auto loan.
It’s never too late to join your
fellow members who have benefited from the Simplify &
Save program. Call us, visit us,
or go to www.sscu.net/save
and see how we might help
you Simplify & Save!
Simplify & Save
–
still saving
members millions!
A publication of Seven Seventeen Credit Union
11.Convenient and secure: Your Seven Seventeen VISA® Debit Card looks like a credit card, but works like a check. When you use your debit card to make a purchase, the amount will be deducted directly from your checking account, while maintaining the convenience and security protections provided by VISA. Plus, you don’t need to carry large amounts of cash.
No check writing: A debit card can be used for purchases where you shop, such as stores, online, and by phone, so there is no need to write checks. In addition, you save money because a debit card reduces the number of checks you’ll need to reorder because you’ll use less of them.
Cash back2: When using your debit card for store purchases, many merchants allow you to receive cash back at no extra charge.
VISA’s zero liability policy3: If your debit card is lost or stolen, you are protected from unauthorized, non-PIN transactions.
Debit Card Rewards4: All Seven Seventeen Debit Cards are automatically enrolled in the Debit Card Rewards program earning you reward points every time you process your payment as a credit and sign for a purchase. You can even combine your Seven Seventeen VISA Debit Card Reward points and Seven Seventeen Credit Card ScoreCard points so they accumulate faster. Then, redeem those points for brand name merchandise or travel rewards.
Mine by Design Personalized Debit Card5: Put a cherished photo on the card you use the most. Make it happen when you personalize your Seven Seventeen debit card by uploading one of your favorite photos or by using a picture from our existing photo gallery. Visit the Mine by Design website to see how easy it is to create your personalized debit card, simply go to www.sscu.net/minebydesign.
Instant-Issue Debit Card: If you need a new Seven Seventeen VISA Debit
Card2 or need to replace your current card in a hurry, you can visit our Larchmont Avenue Office in Warren and receive a new card that is ready to use immediately! Seven Seventeen’s Instant-issue Debit Cards feature our
standard debit card design.
Learn more at www.sscu.net/debitcards, stop by a branch office, or call us today! 1-Must have a Seven Seventeen checking account and credit qualify for the VISA Debit Card. Ask for details.
2-Cash back requires the transaction be processed as a debit transaction using a four-digit PIN.
3-Eligible transactions include purchases made with your debit card that did not require a personal identification number (PIN). U.S. issued cards only.
4-There is no charge to participate in the Debit Rewards Program. Only signature Debit Card transactions are eligible to earn ScoreCard Reward points. Reward points are earned on net purchases only (purchases minus returns / credits). Reward points are not earned on transactions made using a Personal Information Number (PIN). 5-When you order a Seven Seventeen debit card through the Mine by Design website a charge of $10.00 will be deducted from the primary checking account that is linked to your debit card; the fee is assessed on the first business day of the following month. Note: the fee is charged if you use an image from our library or your own
personal image. Please refer to the Mine by Design website for restrictions regarding the use of personal images. Seven Seventeen Personalized Debit Cards can only be
created through the Mine by Design website.
Do you know the benefits of a Seven Seventeen
3181 Larchmont Ave. NE Warren, OH 44483
In
issue:
this
• Introducing Basic Checking • Mobile App Now Available • Simply Rewarding Program • You Really Count!
• Security Upgrades for NetWorth24
Announced
• What are the Benefits of a Debit Card?
• ... and more!
Medical Care Employees
Federal Credit Union
members welcomed
Medical Care Employees Federal Credit Union (MCEFCU) of Youngstown, Ohio, has merged into Seven Seventeen Credit Union, effective November 1, 2012. Medical Care Employees Federal Credit Union had $3,400,000 in assets and served approximately 980 members. All of us at Seven Seventeen would
like to welcome our newest members to our credit
union family, and look forward to helping them meet their financial goals. The merger will provide MCEFCU
members a broad range of products and services, with additional office hours and locations.
Seven Seventeen-Owned ATMs
allow unlimited use
All Seven Seventeen members have unlimited FREE transactions (withdrawals, deposits, and transfers) at any Seven Seventeen-owned ATM. Service areas where we have an ATM include: Austintown, Boardman, Canton, Cortland, Howland, Hubbard, Kent, Vienna, Warren, Columbiana, Champion, Cornersburg, Girard, Liberty, and Niles.
A complete list of Seven Seventeen owned-ATM locations is available via our new Mobile App; or you can go to www.sscu.net/atm-locations.
The MoneyPass®* network offers over 23,000 surcharge-free ATMs; visit www.moneypass.com/atm-locator.aspx to
find the nearest machine. Locally, ATMs inside Sheetz® and
GetGo® stores are also surcharge-free.*
*Save money with MoneyPass® by avoiding other financial institution’s surcharges,
which may be $3.00 or more. Some MoneyPass® locations may not accept
deposits at their ATMs from customers of other financial institutions, depending on the financial institution owning the ATM. Although you are not charged a surcharge fee, a transaction fee of $1.00 per ATM transaction will apply.
