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Helpful
Info
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Loans |
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Emergency Payroll
Advance Loan
The Express-News Federal Credit
Union offers a short-term loan to advance money to members from
their immediate future earnings for an emergency need.
To qualify for this loan a member
must have direct deposit of their full paycheck at the Express-News
Federal Credit Union. No credit checks will be made and no other
restrictions apply.
The amount of Emergency Payroll
Advance loan is limited to 80% of the net pay of the member's next
paycheck. A member may receive only one Emergency Payroll Advance
in a three-month period.
An Emergency Payroll Advance loan
must be repaid in-full from member's next paycheck.
The member will be charged a $25
processing fee for the Emergency Payroll Advance. Interest will
not be charged on the Emergency Payroll Advance if it is repaid when
due.
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Helping Hand
Loan
This loan is designed for those who have
had problems qualifying for a loan. The requested amount may
not exceed the member’s monthly gross income. The
approved amount will be determined by a special loan
review committee consisting of one loan officer
and two Credit Advisory Board members.
Members who have not been able to borrow
from the credit union may now qualify. A high debt
ratio will not prevent a Helping Hand Loan from being
considered. “P&L’s”, except ENFCU P&L’s, will
not count against the borrower if these accounts are paid
off. Accounts that are 90 days or more delinquent must
be brought current. This loan may be used to bring
P&L’s and delinquent accounts current. Recurring
delinquent accounts will have an unfavorable impact on loan
approval. Collateral may be used to increase the amount
borrowed through a Helping Hands Loan.
Members are encouraged to contact the
credit union for more information about the Helping Hand
Loan.
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EN-Touch - 24/7 Access to Your
Accounts
EN-Touch is a very popular service with
our members.
EN-Touch gives members 24 hour a day, 7
day a week access to their credit union accounts.
Members are able to check balances and most recent
transactions including direct deposits, transfer funds between
accounts and perform other functions. Members may
transfer from different account numbers using EN-Touch.
Members access EN-Touch using a touch tone
telephone by dialing 250-3456 or toll free from outside of the
San Antonio dialing area at 1-800-555-1551 extension
3456.
For additional information about EN-Touch,
go to the EN-Touch web page. For
help with EN-Touch, please contact the credit union
office.
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Online
Banking Available
ENFCU
online, the
Online Banking Services of the Express-News Federal Credit
Union, is available. Contact the credit union to signup
for ENFCU online.
Signup now! Come by the credit union
to get a User's Name and a temporary Password. You will
be asked to provide your e-mail address.
Sign-up for E-Statements and we will
credit your account with $5.00. That's right, we will
give you $5.00 when you sign up to enjoy the convenience of
getting your credit union statement via e-mail every
month.
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You save money whenever you use your
Express-News Federal Credit Union ATM card at the many merchant
locations offering PULSE PAY as an option to pay
for purchases.
You save on checks, and if you use the
"cash back" feature of PULSE PAY, you may save a trip to an
ATM possibly incurring ATM fees. The cash back feature
allows you to get cash when you make a purchase. Cash
back with PULSE PAY is similar to writing a check to the
grocery store for more than the amount of your purchase and
getting the difference back as cash.
Credit union members are never charged a
fee for PULSE PAY transactions even when you get cash
back. The merchant does not charge you; the
credit union does not charge you.
More and more locations are
accepting PULSE ATM cards for purchases including many grocery
stores, drug stores, gasoline stations/convenience stores,
fast food places and even U.S. Post Offices.
PULSE PAY is safe, convenient, fast and
free, and your ATM card takes up less space in your
wallet/purse than your check book.
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Reorder Checks 24/7
Using the Internet
Log on to Liberty 24 hours
a day, 7 days a week for secure, convenient check
reordering. You can also purchase a wide selection of
accessories.
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ATM Card Fees
The fees for using your Express-News
Federal Credit Union Pulse ATM card are as follows:
Pulse Pay - Purchases
with your ATM card including "cash-back"
FREE
(see below for additional
information about PULSE PAY)
Transactions at
ATM's:
We
charge you $1.00
The ATM may charge you
also.
To minimize our members' cost of using
ATM's, the Express-News Federal Credit Union participants in
the PULSE Select ATM program. This program allows
Express-News Federal Credit Union members to use any Select
ATM with no ATM surcharge. Members will be charged $1 by the
ENFCU when using a Select ATM. If you have questions
about the Select ATM program, contact the credit
union. For a list of Select ATM’s, check the
programs web site at www.selectatm.com.
Cash withdrawals, account transfers and
account inquiries may be made at ATM's. Deposits to an
Express-News Federal Credit Union account may not be made at
any ATM.
Pulse ATM cards are safer than cash, easy
to use and take up less room in your purse, billfold or pocket
than cash or your checkbook. If you do not currently have an
Express-News Federal Credit Union Pulse ATM card, visit the
credit union today to get one.
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Transfer Between Members' Accounts with
Online Banking
Members may make transfers to
or from other related members' accounts using ENFCU Online,
the online banking service of the Express-News Federal
Credit Union.
Members must contact the credit union to
be setup for these types of transfers and authorized signers
for both accounts must authorize the use of this
function.
This type of transfer is different than a
transfer between a member's share (savings) account and the
same member's share draft (checking) account or similar
transfers that are available to all members with access to
online banking.
Contact the credit union today if you are
interested in using this new transfer function.
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Cancelled Check Images
Available
View Cancelled Checks
Online
Members may view and print
images of cancelled checks through online banking by clicking on the check number when
viewing share draft account history.
Members may print the image if desired by
clicking on the "Click here to print" line at the top of the
check image screen. The check image may not print
correctly if the browser's print functions are
used..
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A Different Way to
Pay with a Check
Some merchants are beginning to
participate in a new method of check processing. This
method is known as check conversion at the point-of-sale or
truncation.
Under this concept, you present a check to
the merchant as you do now. The merchant swipes the
check through a terminal capturing the MICR data on the
check. Purchase information such as the amount of the
purchase is keyed into the terminal. The merchant stamps
your check "paid" and hands it back to you for your
records. The merchant sends the check data through the
banking system electronically.
At the present time, the check arrives at
your financial institution through the Automated Clearinghouse
(ACH) system and is deducted from your account on the next
business day. If you do not have enough money in your
account to cover the check, the transaction goes back to the
merchant. The transaction goes back to the merchant much
faster since it is an electronic transaction, not a paper
transaction.
In the future, these types of transactions
may work the same as your PULSE card when you use it for a
PULSE PAY purchase. The merchant will know instantly if
you have enough money in your account. As soon as the
merchant swipes the check, the money is taken out of your
account.
This method of check processing should
make writing checks easier, even in out of town
locations. The method will help hold down the cost to
the merchant and financial institution of processing your
payment keeping the cost of business as low as possible.
With its advantages comes this disadvantage of losing the
float time when you write a check.
Someday when you pay a merchant by check,
don't be surprised if the merchant accepts your payment and
then hands the canceled check back to you.
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E-Statements Available
Save your identity with
E-Statements. Reduce your chances of being a victim of
mail fraud - receive your Express-News Federal Credit Union
Statements electronically.
Even though identity thieves are finding
new ways to steal information over the Internet, the original
theft - for example, taking out a credit card in your name -
tends to be a low tech crime. According to the Federal
Trade Commission, about half of the country's victims know how
their information was swiped, and in many cases the breach was
paper - bills, credit card solicitations and financial
statements - pilfered from garbage cans and
mailboxes.
Banking and paying bills online not only
cuts off thieves' access to the papers they need to commit ID
theft, but also helps detect the crime sooner. This is
because consumers who bank online check their accounts much
more frequently - nearly four times per month compared to once
a month for those who receive statements by mail.
Receive your statement electronically and
enjoy safety, timeliness and convenience. Come by the
credit union to sign up for this service.
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MasterCard
MasterCard
Services
Paying Your Credit Card Bill Just Got
Easier!
Now you can pay your ENFCU MasterCard over the phone or through the Internet.
It's fast, easy and so convenient - 24 hours a day, 7 days a
week. If you hate to write out those checks every month,
take advantage of these services.
Over the Phone at 1-800-442-4757 Using EZ
Pay in Either English or Spanish
To
pay by phone, call 1-800-442-4757 and use the automated
"EZ Pay"
system in either
English or Spanish by following simple prompts to make your
payment. Your payment comes straight from your checking
account with any financial institution. Your
checking account does not need to be with the credit
union. Of course, we encourage you to open a low-cost
credit union checking account with no minimum balance and no
charge for checks written. Payments may not be made from
a savings account, from another credit card or from a
temporary checking account.
If
you prefer, you can speak with a customer service
representative. Members may get assistance on credit card
issues any time day the day, any day of the week (24/7).
This number is for MasterCard services only. Check your
card account, change your address or make an "eZ Payment" over
the telephone - 24 hours per day, 7 days a week.
MasterCard services is there when needed for personal
assistance.
Payments made before 4:45 p.m. Monday
through Thursday will post that night after midnight.
Any payment made after 4:45 p.m. will post the next business
day after midnight. Payments made between 4:45 p.m. on
Friday and 4:45 p.m. on Sunday will post Sunday after
midnight, and the effective date will reflect Sunday's
date. Payments are typically deducted from your checking
account within two business days.
Payments will not be processed on credit
card accounts that are currently set up for AutoPay or with a
status of bankrupt or charged-off. Payments may only be
made by the primary or secondary user on the credit card
account and may not be made for an amount greater than the
full balance. You may make only one payment per day and
cancellations must be made before 4:45 p.m. on the same
day.
eZ Pay is free and is a fast, easy
way to make payments without writing a check.
Through the Internet at
GoToMyCard
Our home-banking members have it even
easier through our website at www.enfcu.org. Sign up to
view your credit card information online with GoToMyCard.
Now you can make your credit card payments on the site as an
added feature. What Could Be Easier?
What could be easier?
The choice is up to you - pay by check, by
phone or through our website at www.enfcu.org.
The
credit union does not accept credit card payments in the
credit union office - either in person or over the
phone. Payments must be sent to the address shown on
your credit card
statement or made over the phone using
eZ Pay or through the Internet at GoToMyCard.
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MasterCard
Debit Card
Apply for an Express-News Federal Credit
Union MasterCard Debit Card today. This debit card is
accepted as cash by most merchants who accept the MasterCard
Credit Card and at ATM's worldwide.
To
qualify for an Express-News Federal Credit Union MasterCard
Debit Card:
- You must have a share draft (checking)
account at the Express-News Federal Credit Union.
- Telecheck must issue an approval code
for you.
- Your share draft (checking) account must
not reflect more than 3 NSF checks within the last 12 months
and cannot show a negative balance when your application is
processed.
To
apply for an Express-News Federal Credit Union MasterCard
Debit Card:
- Complete the Debit Card Application for
the Express-News Federal Credit Union.
- Complete the Debit Card Agreement for
the Express-News Federal Credit Union.
- Return the completed agreement and
completed application to the credit union.
Your card will be available at the credit
union within 7 to 10 days after your application is received.
You will return your PULSE ATM card at that time, if you have
one.
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MasterCard
SecureCode
Are you concerned about security when
using your MasterCard to make purchases over the
Internet?
The MasterCard SecureCode allows only you
to purchase online with your MasterCard. Protect your
cards with your own personal SecureCode so that only you can
purchase with them online.
In
the next few months, all MasterCard accountholders will be
prompted to participate in the MasterCard Secure Code Program
when making non face-to-face transactions (i.e. by telephone
or Internet).
Activation during shopping with required
participation is designed to protect the online shopper, as
well as reduce identity theft for all cardholders, by allowing
cardholders to add a personal password to their existing
card. When making a purchase with a participating online
merchant, the cardholder will validate their identity by
entering a password in a special MasterCard Secure
window. Cardholders who have not enrolled will not be
allowed to make purchases at this site.
The Express-News Federal Credit Union's
MasterCard SecureCode web site has additional
information. Visit the site for information or to
register for your MasterCard SecureCode at:
https://secure2.arcot.com/vpas/tnb_mc88239/i18n/en_US/index.html.
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Be Alert to Credit Card/ATM Card
Fraud
To help prevent credit card/ATM (plastic)
card fraud, members should review all plastic card
transactions carefully and immediately report anything you do
not recognize to the credit union.
Other actions to take to help prevent
plastic card fraud are:
- Routinely check your credit report for
unusual activity.
- Have the post office hold your mail or
have a trusted friend collect your mail each day whenever
you leave town.
- Do not give out personal information,
such as account numbers, Social Security numbers or PIN, to
anyone over the telephone unless you know the party on the
other end of the line and if you initiated the telephone
call.
If you have been a victim of Internet
fraud, make a report to www.ifccfbi.gov, the Internet
Fraud Complaint Center (IFCC). Information submitted to
the IFCC is reviewed by the FBI and the National White Collar
Crime Center.
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Canceling Recurring Charges to Your
MasterCard
Recurring charges to your MasterCard for
expenses such as Internet access services, club dues or mail
order installments present a unique problem. Once you
have authorized the billing, the merchant has no further
requirement to obtain authorizations prior to each installment
charge. Should you need to cancel this type of billing,
you must follow these three steps:
- Write a letter to the merchant canceling
the service and revoking the merchant's right to charge your
account (your card). Even if there is a non-cancelable
contract, you may still revoke the merchant's right to
charge your account and request direct billing.
- Send the letter to the merchant by
certified mail and keep the receipt.
- Send a copy of the letter and the
certified mail receipt to the address below with a dispute
form or letter stating the merchant no longer has the right
to charge your account.
Customer Service
POB 815909
Dallas, TX 75381
You should monitor your MasterCard
statement carefully. If the merchant submits additional
charges, you should notify Customer Service immediately.
Charges made after the cancellation date may be charged back
to the merchant. Please remember that it is your
responsibility to cancel any recurring charges. Please
call Customer Service at 800-422-4757 with any
questions.
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Coin Counter
Available
The Credit Union has a coin counter so
that we can accept loose coins. You do not have to wrap
your coins before making a deposit.
Please note that if you bring in an
exceptionally large amount of coins and we're very busy we may
not be able to give you immediate credit.
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Members Financial
Network
Click on the Members Financial Network
logo below or on our web site's home page to check out this
new service to our members. The credit union and CUNA
Mutual Insurance Group have teamed up to offer this new and
exciting service to our members. It provides a vast
number of educational materials and investment
opportunities.
Money Management
- A five minute financial checkup and financial
calculators.
Insurance and
Investments - Info on self-investing and all types of
insurance.
Members Brokernet
- On-line broker services.
Education Center
- All topics from college to retirement.
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Save with Insurance
from Liberty Mutual
Credit unions members can now save money
on their automobile, homeowners, renters and life
insurance.
Special discounted group rates are now
available with no down payment or finance charges.
Convenient pay plans including automatic withdrawal from your
account are available. You may have payroll deduction go
to your account to cover the automatic withdrawal.
For information, contact Liberty
Mutual at 496-3611.
It is your responsibility to have enough
money in your account to pay your Liberty Mutual and/or
AFLAC insurance premiums.
If you do not have enough money in your
account, you will receive an overdraft notice from the credit
union when the transaction from the insurance company
bounces. If the transaction bounces, the insurance
company will resubmit it in two or three days. If it
bounces again, you will receive another overdraft notice from
the credit union. The overdraft notice states that the
transaction is from Liberty Mutual or AFLAC.
Also the insurance company will notify you
that your premium is past due.
Another way to tell if your premium has
not been paid is to look on your monthly statement from the
credit union. If the premium payment is not on the
statement, it has not been paid.
Do not take a chance of losing your
insurance coverage. Watch for overdraft notices from the
credit union, watch for notices from the insurance company and
check your monthly credit union statement.
Talk to the credit union staff about ways
to help make certain your premium is paid every month.
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Premier
Credit Reports
Do You Know What's On Your Credit
Report?
Credit professionals advise that "Every
person should monitor their personal credit report on a
regular basis." When was the last time you reviewed your
personal credit report?
The Express-News Federal Credit Union now
offers the Premier Credit Report. You may now
order credit reports over the Internet from one, two or all
three national credit-reporting agencies. You will
receive an easy-to-read credit report and see what the
creditors see. The Premier Credit Report also shows you
who has been looking at your credit report. Click here is
access the Premier Credit Reports from the SARMA web
site.
The SARMA web site allows you:
- to get an Experian credit report online
instantly,
- to order your credit report online and
receive it within 7 to 10 days by standard U.S. Mail
delivery,
- to sign up for monitoring and
receive a monthly notification of any change to your credit
report and
- to obtain information on how to order a
credit report in person, by telephone or through the
mail.
Find out what is on your credit report -
the key to your credit future.
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Advantages
of Membership
Members of your immediate family are eligible for membership
Once a member, always a member (lifetime membership as long as the account remains open)
Higher interest rates paid on savings
Lower interest rates charged on loans
Web Site - www.enfcu.org
Online Banking
EN-Touch - banking by telephone, 24 hours per day, 7 days a week
Deposit by direct deposit
Various accounts available:
Share (savings)
Share Draft (checking) - no minimum balance and no service charge
Money Market
Share Certificates (CD's)
Christmas Club and Special Savings
Individual Retirement Accounts - Share or Share Certificates
All types of loans available:
Home Mortgage
Home Equity
FHA Title I Home Improvement
Auto and Other Vehicles
Boat
Furniture/Electronic Equipment
Line of Credit
Share Secured
Helping Hand
Emergency Payroll Advance
MasterCard, Gold MasterCard and Share-Secured MasterCard
MasterCard Debit Card and PULSE ATM Cards - Member of PULSE Select ATM program.
Insurance Programs - AFLAC and Liberty Mutual
Discount Tickets to movies, Fiesta Texas and Via Transit bus passes.
Postage stamps available in the credit union office
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Your Volunteer Board
of Directors
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Chairperson |
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Vice
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Secretary |
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Treasurer |
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Supervisory
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