Because of recent regulation, all members and customers of financial institutions must now opt-in to keep or receive Overdraft Privilege Service - also called courtesy pay - on debit card and ATM transactions.  What exactly does that mean?

• Unless you opt-in, your debit card transaction at a retail location will be denied when there are insufficient funds in your account to cover the expense. 
• If you don't opt-in, you won't be able to withdraw emergency cash at ATMs when your account balance doesn't cover the withdrawal.

When you do opt-in, you allow us to cover these and other such unexpected expenses, so that you can make debit card transactions or ATM cash withdrawals when you need to.  Overdraft Privilege Service is a life-line when emergencies happen.  Don't be caught without it!

You can opt-in for courtesy pay on your ATM and debit transactions by: 

1. Printing an Authorization Form and mailing it to us or fax to (662) 434-8406.
2. Visiting any of our four locations. 
3. Call us at (662) 434-6052, and we'll mail you an authorization form.
   

TFCU Has 52 Branches In Mississippi and 4,364 Worldwide Through Shared Branching
TFCU is a member of the Mississippi Shared Service Centers, which is part of a national network of credit unions committed to expanding services to their members through Shared Service Centers.   Participating Mississippi Credit Unions representing more than 367,000 members are enjoying the benefits of the program.  TFCU members can now conduct their business in any of the 52 service center locations in Mississippi or at any one of over 4,364 locations worldwide.

Credit unions operate under the philosophy "not for profit, not for charity, but for service" and cooperate with each other instead of compete.  Through this collaborative spirit, credit unions can serve their members most effectively and strengthen the movement by working together through local, state, regional, national and international structures.  It is under this principle that the concept of shared branching was born.

Shared branching is a cooperative network of credit unions that have joined together and created shared service centers across the country.  By sharing facilities, credit unions can offer greater convenience for members to access their accounts at many locations just as if they were at their home credit union.

Members can enter any shared service center and conduct a range of transaction services, such as:

• Cash checks
• Make deposits and withdrawals
• Make loan payments
• Make transfers between accounts
• Purchase Money Orders, Travelers Checks and Official Checks
• Obtain cash advances and balance inquiries

To take advantage of this service, when members enter a shared branch they only need to bring:

• Their home credit union's name
• Their account number
• Photo identification

Need to locate a shared branch by telephone?
Call 1-800-919-CUSC (2872) to find a branch near you.

A Nationwide map can be found at www.cuservicecenter.com.

VISA GIFT CARDS

Is it a challenge to find the perfect gift for that newly wedded couple or your favorite niece or nephew?  Let us help solve your problem with a VISA Gift Card.  They are accepted everywhere you see the VISA logo and can be used for nearly any purchase.  With increments of $25 to $500, a VISA Gift Card is sure to put you in the winner's circle.  VISA Gift Cards, a great idea for any occasion and available at your credit union today.

Triangle Federal Credit Union is excited to announce AlertMe, a new credit-monitoring service designed to help members fight identity theft which is a growing problem that affects millions of Americans.  AlertMe gives early warning of activity on your credit report.  Since credit report activity can be a sign of possible identity theft, early detection can help you catch problems quickly to minimize losses.

AlertMe monitors your Experian credit file daily.  New accounts, credit cards over the credit limit, and address changes are just a few of the items AlertMe monitors.  If an activity occurs, AlertMe will send you an e-mail alerting you to the activity.  You can log into the AlertMe Web site to read details about the activity and determine if it is suspicious.  AlertMe will also send an e-mail to remind you to order your annual free credit reports.

The AlertMe is $4.25 per month.  Quarterly and annual plans are available at a reduced rate.  To enroll or learn more, simiply click on AlertMe on the left side of our Home Banking login page.

FREE MOBILE MONEY NOW AVAILABLE

Overdraft Privilege Service - Be Sure to Opt-In!

Mobile Money is our latest new service that allows you to take your finances anywhere you take your cell phone.  Members can check their balances, view checks that have cleared, transfer money and even pay their bills using their cell phones anytime of the day or night.  Enroll now by logging on to Home Banking and click the Self Service Tab, and then click Mobile Money under Additional Services. And while you are there, go ahead and sign up for free E-Statements.