Because you use it to run your household, your choice of checking account can have a big impact on your money - and your time.

Whether or not you have your checking account with Space Coast Credit Union, I encourage you to take a moment to review some important facts about SCCU’s checking accounts. Much has changed in the past two years, and even if you have an SCCU checking account, you may not be using all the features available that can save you time and money.

Here is a quick view of what your credit union offers:

Purchases, Payments and Cash
Debit Cards:

• Rewards:
  Automatically earn rewards that can be redeemed for merchandise and travel just by using your SCCU Visa^® debit card when you shop. Coming soon! Use your rewards points to contribute to a charity or participate in SCCU’s exclusive Education Donation Program.
• Protection:
  Visa debit cards offer "$0 liability" protection from unauthorized account use.
• Style:
  Members have suggested many design ideas, so you can now choose from over 20 card styles. Check out our new golf card!

• (IMPORTANT: To get your rewards points and your "$0 liability" protection, do NOT enter your PIN when making purchases. Select "credit" online or at the checkout.)

Bill Payer:

• All SCCU checking accounts come with FREE online bill payer service. Between your SCCU debit card, online bill payer, and our upcoming External Transfer service, you may never have to write another check! Of course, you can still write checks, and we have designs to suit your personal style there, too - and at affordable prices.

Direct Deposit:

• Your paycheck is available on payday with no waiting and no driving – and we can send you an alert to let you know when your deposit has been received.

Cash:

• Over 70 SCCU ATMs are available to you completely free of charge. And, of course, you can use your debit card to get cash back when you make a purchase.

Personal Service
24-hour Member Service Center:

• A real, live person is available to answer your account questions day or night.

Easy Account Access – Anytime, Anywhere
Online Banking:

• This FREE, secure service lets you monitor your account without waiting for a monthly statement, and you can easily set up alerts that will let you know what’s going on with your money without even logging in. NEW! External Transfers allow you to move money to and from your SCCU account to accounts at other financial institutions.

Shared Branching:

• You have access to lobby services at 3,398 branch locations worldwide. Go to SCCU.com/locations to learn more about shared branching.

ATM Access:

• Use any ATM worldwide that displays the Visa logo using your SCCU debit card.

Easy Money Management
Daily Balance Alerts:

• Our most popular feature! We send you the balance on the accounts you choose every morning. You can receive these as a text message on your phone or to your regular e-mail.

Payroll Allocations:

• We can automatically move money to other SCCU accounts when your payroll arrives. NOTE: One of the top member uses for this feature is to transfer funds regularly to our very popular Christmas Club account. Imagine saving all year without even noticing it, and not having to charge your gifts at Christmas!

Budget Master:

• We can help you budget by setting up recurring transfers on certain days of the month

Overdraft Protection that actually protects you:

• Everyone makes a mistake now and then. You can sign up to draw from your SCCU credit card or savings account – and unlike many banks, you will only pay a fee when you actually overdraw.
  
  (IMPORTANT: SCCU does not participate in the costly practice of "courtesy pay," which lets you continue making PIN purchases and ATM withdrawals even when you do not have funds available – for a hefty fee each time, of course!)

 

Our checking accounts will continue to evolve and provide more services that benefit our members.

If you are looking for the best value in checking, look no further than SCCU! If you don’t have an SCCU checking account, just call Express Services and an Associate will help you select the best account for your needs.

If you already have an SCCU checking account, and need assistance in using any of the many features available to you, please call the Member Service Center.

 

Timothy M. Antonition
Executive Vice President, Retail Operations

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