Pathway the IN THIS ISSUE • EMV Cards • National Credit Union Youth Month • ACH Transactions • Rising Star • Message from the President/CEO • Aberdeen FCU Happenings Experience Our Credit Union Difference First Quarter 2016 OFFICE CLOSINGS Monday, May 30th – Memorial Day Monday, July 4th – Independence Day Monday, September 5th – Labor Day Apply at AberdeenFCU.org or call 725-AFCU. Match your DREAM HOME with a dream loan. New Purchase, Refinance or Home Equities all at competitive rates! Your Mortgage pre-approval headquarters.
Transcript
PathwaytheIN THIS ISSUE
• EMV Cards
• National Credit Union Youth Month
• ACH Transactions
• Rising Star
• Message from the President/CEO
• Aberdeen FCU Happenings
Experience Our Credit Union Difference
First Quarter 2016
MEMBERS ............................................ 10,976
All rates are subject to change. Please call the Credit Union about applicable fees & terms.*Annual Percentage Yield.
CURRENT RATESAs of March 1, 2016
OFFICE CLOSINGS
Monday, May 30th – Memorial Day
Monday, July 4th – Independence Day
Monday, September 5th – Labor Day
financial datacurrent rates
PEE WEE WINNERS
December – Sebastian Roberts
January – Moriah Kippley
February – Jacob Frohling
BUSINESS HOURS:Lobby:
Monday - Friday 9am - 5pmDrive Up Windows:
Monday - Friday 7:30am - 6pmSaturday 9am - Noon
LocationN. Roosevelt & 8th Avenue
Mailing AddressPO Box 1495
Aberdeen, SD 57402-1495Phone
605.225.2488605.725.LOAN
(Consumer Loans)605.725.AFCU
(Real Estate Dept.)
Toll Free1.877.225.24881.877.200.0045
(Consumer Loans)1.866.902.AFCU
(Real Estate Dept.)Fax
605.225.5737CUTALK
1.866.398.1929ATM
24 Hour Accesswww.aberdeenfcu.org
Hello Pee Wee Pals! Stop in and see us this
April as we celebrate National Credit Union Youth Month. When you make a deposit into your Pee Wee account, you’ll be entered to win a PRIZE! We encourage you to keep saving and pump up your savings account. Before long, you’ll be leading your own financial lifestyle. Have a great spring and see you at the Credit Union!
Your Pal,PeeWee
Facebook “f ” Logo CMYK / .eps Facebook “f ” Logo CMYK / .eps
Zach HarryInsurance Agent
Frequently Asked Questions: Text BankingHow do I enroll in text banking?You can enroll in text banking by clicking Go Mobile! at the top of the It’s Me 247 toolbar. Then select “Text Banking Home” to access the enrollment screens. How secure is text banking?Our text banking service is secure as you can only activate this service when you are securely logged into your It’s Me 247 online banking account. Text messages will never contain confidential information about you or your accounts. Messages will never contain full account numbers. Will I be charged for text banking?Aberdeen Federal Credit Union is currently offering text banking to our members for FREE! However, your mobile provider may charge for sending and receiving text messages on your mobile phone. Please check with your mobile provider for details on fees that may apply.Will text banking work on my phone? Yes, as long as you have text messaging enabled on your phone. Message and data rates may apply.
Apply at AberdeenFCU.org or call 725-AFCU.
Match your DREAM HOME with a dream loan.
New Purchase, Refinance or Home Equities all at competitive rates!
Your Mortgage pre-approval headquarters.
MESSAGE FROM ROBERT J. GOSCICKIPRESIDENT / CEO
Serving not SellingDear Fellow Members,
Our calendars now read April 2016, so how has the first quarter been for you? We at Aberdeen Federal Credit Union (FCU) have been busy serving and making a difference!
To help make our voices stronger in Pierre and Washington D.C., we again this year participated in “Hike the Hill” events. These ground-level advocacy events make a real difference. These activities help us to confront critical issues so we can advocate and protect the credit union difference that
we as members enjoy every day.
I have been asked many times how Aberdeen FCU ensures we are delivering a difference to our members during these challenging times. My response is simple. Through all of the challenges and changes we face, one thing will always remain the same at our credit union: our philosophy of “Serving not Selling”. We embrace change as an opportunity to make your financial lives easier. I invite you to take a good look at this month’s newsletter and notice the changes in the news content we are sharing. I hope these changes will help better inform and educate you not only about the products and services we offer, but also the changes and challenges happening in the financial world.
Our mission has always been to provide pathways that deliver high-quality products and services promoting convenience, while providing news and information to assist each of us in achieving our financial success.
Thank you for being a member of Aberdeen Federal Credit Union! We are working hard every day for your continued loyalty and trust.
EMV Chip Card TechnologyAberdeen FCU has launched EMV (chip) technology for our debit cards, which increases security and decreases fraud resulting from counterfeit, lost and stolen cards.
This “smart card” has a microchip embedded in the card that is encrypted, providing stronger security. Unlike a magnetic stripe card, it is virtually impossible to create a counterfeit EMV card that can be used to conduct an EMV payment transaction successfully.
The process of using the card is different than the old magnetic stripe card.
First, swipe card• If the terminal is not chip card-enabled, the
transaction will be processed the same as today’s environment with the magnetic stripe.
• If the terminal is chip card-enabled, the terminal will read the magnetic stripe and recognize it as a chip card. The message on the terminal screen will read, “Please insert the chip card into the terminal.”
• If prompted by the terminal, insert your card. • The terminal will authenticate the chip card and keep
it safely inside the terminal until transaction is finished• Authenticating every user prevents someone else
from using it.
Second, remember your PIN• Terminals may use different formats to authenticate
the card user. There are two methods that can be used to authenticate the cardholder. Those two methods are PIN and signature. A PIN is one method to verify the cardholder is the person doing the transaction. A signature is another method.
Third, remove your card• After receiving transaction receipt and before leaving,
remember to remove card. Some terminals will beep as a reminder, but others won’t.
EMV is an acronym for its developers – Europay, MasterCard, Visa and is the chip technology that is prominent in Europe and other parts of the world. Chip technology is already prevalent outside the United States and financial institutions are preparing for a migration of chip readers at merchants domestically.
New EMV chip cards will be issued to Aberdeen FCU members as your current debit card expires or in the event of fraudulent activities.
Proofread Card Images
FRONT
BACK
This proof is intended to show the content and placement of all elements of your card.It is not intended to represent color or quality of the plastic card.
Background
BIN Number
Logo Color
Program Name - if needed
Your Logo
Address - Most current
Back Text
Network Bugs
Phone Number(s) - Most current
Carefully review the front and back images.Submit all changes at one time.
Please note that you will be charged $80for each round of requested changes.
Follow These Easy Steps For Approving Your Card Proof
Is the following front information correct?
Is the following back information correct?
Forward this email with the words PROOF APPROVED, along with yourName, Financial Institution Name andPhone Number [email protected]
the changes needed, along with yourName, Financial Institution Name andPhone Number [email protected]
Forward this email with a description of
If Approved:
If Not Approved:
IM
PO
RT
AN
T
1
2
FRONT
BACK
4120
Gemalto MGY - U1100634A - 01/15X009512 FOS
Rising Star Competition
Welcome New Employees!Please join us in welcoming Bailey, Ben, Dylan and Kayla to the growing Aberdeen FCU team!
Credit Union Strong for Kids Visit Aberdeen FCU during the month of April and help us celebrate National Credit Union Youth Month. When you make a deposit into your Pee Wee account, you’ll be entered to win a PRIZE! Don’t forget to bring your change in and dispense it into the coin gobbler and pump up your savings! And remember, Aberdeen FCU membership is open to all members of your family.
ACH Alerts To ensure your automatic deposits or withdrawals (ACH) are set up correctly and payments aren’t delayed or returned, please note the following when authorizing these transactions.• The owner or joint owner on the account in
which funds are being deposited to has to match the name on the ACH.
• When providing your account information for ACH deposits or withdrawals please ensure you are using MICR # as it appears on the bottom of your checks OR your full member number and account number. (i.e. 123456 - 110)
• Please allow up to 6 days for new transactions to take effect upon ACH setup.
We welcome any questions that you have regarding ACH transactions or account numbers. Please contact our Member Service Representatives at (605)225-2488.
Aberdeen FCU is excited to announce that we will be bringing the Rising Star Competition to the Brown County Fair again this year! Join us for this family – friendly event on Wednesday, August 17th. This talent show will feature finalists performing for prizes totaling $2,500! The entry deadline is Wednesday, July 27th at 5pm. Watch for more details at aberdeenfcu.org and “Like” us on Facebook at Facebook.com/RisingStarCompetition.
Aberdeen FCU received the Best in Show Award at the 2016 Aberdeen Home Builders Show. Pictured is Aberdeen FCU’s Melinda Riley and Julie Bohling.
Awarding $5,000 in Scholarships
to Aberdeen FCU members! Deadline:
Friday, April 1st, 2016Visit aberdeenfcu.org
to apply!
MESSAGE FROM ROBERT J. GOSCICKIPRESIDENT / CEO
Serving not SellingDear Fellow Members,
Our calendars now read April 2016, so how has the first quarter been for you? We at Aberdeen Federal Credit Union (FCU) have been busy serving and making a difference!
To help make our voices stronger in Pierre and Washington D.C., we again this year participated in “Hike the Hill” events. These ground-level advocacy events make a real difference. These activities help us to confront critical issues so we can advocate and protect the credit union difference that
we as members enjoy every day.
I have been asked many times how Aberdeen FCU ensures we are delivering a difference to our members during these challenging times. My response is simple. Through all of the challenges and changes we face, one thing will always remain the same at our credit union: our philosophy of “Serving not Selling”. We embrace change as an opportunity to make your financial lives easier. I invite you to take a good look at this month’s newsletter and notice the changes in the news content we are sharing. I hope these changes will help better inform and educate you not only about the products and services we offer, but also the changes and challenges happening in the financial world.
Our mission has always been to provide pathways that deliver high-quality products and services promoting convenience, while providing news and information to assist each of us in achieving our financial success.
Thank you for being a member of Aberdeen Federal Credit Union! We are working hard every day for your continued loyalty and trust.
EMV Chip Card TechnologyAberdeen FCU has launched EMV (chip) technology for our debit cards, which increases security and decreases fraud resulting from counterfeit, lost and stolen cards.
This “smart card” has a microchip embedded in the card that is encrypted, providing stronger security. Unlike a magnetic stripe card, it is virtually impossible to create a counterfeit EMV card that can be used to conduct an EMV payment transaction successfully.
The process of using the card is different than the old magnetic stripe card.
First, swipe card• If the terminal is not chip card-enabled, the
transaction will be processed the same as today’s environment with the magnetic stripe.
• If the terminal is chip card-enabled, the terminal will read the magnetic stripe and recognize it as a chip card. The message on the terminal screen will read, “Please insert the chip card into the terminal.”
• If prompted by the terminal, insert your card. • The terminal will authenticate the chip card and keep
it safely inside the terminal until transaction is finished• Authenticating every user prevents someone else
from using it.
Second, remember your PIN• Terminals may use different formats to authenticate
the card user. There are two methods that can be used to authenticate the cardholder. Those two methods are PIN and signature. A PIN is one method to verify the cardholder is the person doing the transaction. A signature is another method.
Third, remove your card• After receiving transaction receipt and before leaving,
remember to remove card. Some terminals will beep as a reminder, but others won’t.
EMV is an acronym for its developers – Europay, MasterCard, Visa and is the chip technology that is prominent in Europe and other parts of the world. Chip technology is already prevalent outside the United States and financial institutions are preparing for a migration of chip readers at merchants domestically.
New EMV chip cards will be issued to Aberdeen FCU members as your current debit card expires or in the event of fraudulent activities.
Proofread Card Images
FRONT
BACK
This proof is intended to show the content and placement of all elements of your card.It is not intended to represent color or quality of the plastic card.
Background
BIN Number
Logo Color
Program Name - if needed
Your Logo
Address - Most current
Back Text
Network Bugs
Phone Number(s) - Most current
Carefully review the front and back images.Submit all changes at one time.
Please note that you will be charged $80for each round of requested changes.
Follow These Easy Steps For Approving Your Card Proof
Is the following front information correct?
Is the following back information correct?
Forward this email with the words PROOF APPROVED, along with yourName, Financial Institution Name andPhone Number [email protected]
the changes needed, along with yourName, Financial Institution Name andPhone Number [email protected]
Forward this email with a description of
If Approved:
If Not Approved:
IM
PO
RT
AN
T
1
2
FRONT
BACK
4120
Gemalto MGY - U1100634A - 01/15X009512 FOS
Rising Star Competition
Welcome New Employees!Please join us in welcoming Bailey, Ben, Dylan and Kayla to the growing Aberdeen FCU team!
Credit Union Strong for Kids Visit Aberdeen FCU during the month of April and help us celebrate National Credit Union Youth Month. When you make a deposit into your Pee Wee account, you’ll be entered to win a PRIZE! Don’t forget to bring your change in and dispense it into the coin gobbler and pump up your savings! And remember, Aberdeen FCU membership is open to all members of your family.
ACH Alerts To ensure your automatic deposits or withdrawals (ACH) are set up correctly and payments aren’t delayed or returned, please note the following when authorizing these transactions.• The owner or joint owner on the account in
which funds are being deposited to has to match the name on the ACH.
• When providing your account information for ACH deposits or withdrawals please ensure you are using MICR # as it appears on the bottom of your checks OR your full member number and account number. (i.e. 123456 - 110)
• Please allow up to 6 days for new transactions to take effect upon ACH setup.
We welcome any questions that you have regarding ACH transactions or account numbers. Please contact our Member Service Representatives at (605)225-2488.
Aberdeen FCU is excited to announce that we will be bringing the Rising Star Competition to the Brown County Fair again this year! Join us for this family – friendly event on Wednesday, August 17th. This talent show will feature finalists performing for prizes totaling $2,500! The entry deadline is Wednesday, July 27th at 5pm. Watch for more details at aberdeenfcu.org and “Like” us on Facebook at Facebook.com/RisingStarCompetition.
Aberdeen FCU received the Best in Show Award at the 2016 Aberdeen Home Builders Show. Pictured is Aberdeen FCU’s Melinda Riley and Julie Bohling.
Awarding $5,000 in Scholarships
to Aberdeen FCU members! Deadline:
Friday, April 1st, 2016Visit aberdeenfcu.org
to apply!
PathwaytheIN THIS ISSUE
• EMV Cards
• National Credit Union Youth Month
• ACH Transactions
• Rising Star
• Message from the President/CEO
• Aberdeen FCU Happenings
Experience Our Credit Union Difference
First Quarter 2016
MEMBERS ............................................ 10,976
All rates are subject to change. Please call the Credit Union about applicable fees & terms.*Annual Percentage Yield.
CURRENT RATESAs of March 1, 2016
OFFICE CLOSINGS
Monday, May 30th – Memorial Day
Monday, July 4th – Independence Day
Monday, September 5th – Labor Day
financial datacurrent rates
PEE WEE WINNERS
December – Sebastian Roberts
January – Moriah Kippley
February – Jacob Frohling
BUSINESS HOURS:Lobby:
Monday - Friday 9am - 5pmDrive Up Windows:
Monday - Friday 7:30am - 6pmSaturday 9am - Noon
LocationN. Roosevelt & 8th Avenue
Mailing AddressPO Box 1495
Aberdeen, SD 57402-1495Phone
605.225.2488605.725.LOAN
(Consumer Loans)605.725.AFCU
(Real Estate Dept.)
Toll Free1.877.225.24881.877.200.0045
(Consumer Loans)1.866.902.AFCU
(Real Estate Dept.)Fax
605.225.5737CUTALK
1.866.398.1929ATM
24 Hour Accesswww.aberdeenfcu.org
Hello Pee Wee Pals! Stop in and see us this
April as we celebrate National Credit Union Youth Month. When you make a deposit into your Pee Wee account, you’ll be entered to win a PRIZE! We encourage you to keep saving and pump up your savings account. Before long, you’ll be leading your own financial lifestyle. Have a great spring and see you at the Credit Union!
Your Pal,PeeWee
Facebook “f ” Logo CMYK / .eps Facebook “f ” Logo CMYK / .eps
Zach HarryInsurance Agent
Frequently Asked Questions: Text BankingHow do I enroll in text banking?You can enroll in text banking by clicking Go Mobile! at the top of the It’s Me 247 toolbar. Then select “Text Banking Home” to access the enrollment screens. How secure is text banking?Our text banking service is secure as you can only activate this service when you are securely logged into your It’s Me 247 online banking account. Text messages will never contain confidential information about you or your accounts. Messages will never contain full account numbers. Will I be charged for text banking?Aberdeen Federal Credit Union is currently offering text banking to our members for FREE! However, your mobile provider may charge for sending and receiving text messages on your mobile phone. Please check with your mobile provider for details on fees that may apply.Will text banking work on my phone? Yes, as long as you have text messaging enabled on your phone. Message and data rates may apply.
Apply at AberdeenFCU.org or call 725-AFCU.
Match your DREAM HOME with a dream loan.
New Purchase, Refinance or Home Equities all at competitive rates!
