A QUARTERLY NEWSLETTER FOR THE MEMBERS OF RIVERFRONT FEDERAL CREDIT · PDF file ·...
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October 2014 A QUARTERLY NEWSLETTER FOR THE MEMBERS OF RIVERFRONT FEDERAL CREDIT UNION A Message from our President Important Changes to Your Credit Card Account Terms The following is a summary of changes that are being made to your credit card account terms. These changes will take effect on December 1, 2014. You have the right to reject these changes. However, if you do reject these changes you will not be able to use your credit card account for new transactions. You can reject these changes by calling the Loan Department at 800-451-3477. Revised Terms as of December 1, 2014 Late Payment Fee: Classic, Platinum, Platinum Plus $20 Late Payment Fee: Yes$ $15 Returned Payment Fee: Classic, Platinum, Platinum Plus,Yes$ $10 WOW! - MOBILE BANKING, MORTGAGE LENDING, NEW WEBSITE, NEW HOURS AND FEWER FEES!!! What else could we possibly do? Well, buckle your seatbelt because we are not finished. The new direction is alive and well at Riverfront Federal Credit Union. Welcome to the 4th quarter edition of “Inside” Riverfront Federal Credit Union, the place where we illustrate for you the latest goings-on and discuss the things that are quickly getting ready to start. As always, we greatly appreciate you, our members, and welcome your feedback. We are always looking for a better way to serve you and to make your financial life better. If you have a comment, we welcome your feedback via our state-of-the-art website so you can tell us what’s on your mind. Good or not so good, we want to hear what you have to say. Better yet, if you are in the branch, or on the phone, take a minute and share your thoughts with us. We are listening! Over the last few months, we have been discussing two important services that we are adding to the never-ending list: mobile banking and mortgage loans. I am sure you have seen by now that our new mobile banking app is available for use. If you’ve not already done so, I encourage you to give it a try as we know you will like it. Also, we are in the final phase of development for the new First Mortgage Loan Program. In about another month, you can finance the purchase of your dream home right here at your credit union. Beyond that, we have begun the process of developing new and better ways to serve you, from quick and efficient new member documentation, to assisting you in organizing all of your financial needs under one roof. As you know, life as we know it today can get very hectic. We, at Riverfront Federal Credit Union, understand and are in the process of developing a tool to help you manage all of your day to day financial needs in one location, your credit union. It just makes sense; this credit union is the “house” that you built. So, be on the look-out for information that will make your financial life better. Aside from the services we have been developing and launching over the last several months, we have made it easier for you to get a loan. Not only have we revised the process, but we have associates standing by to help you get to where you want to go. Need a new car, not a problem! Make the process even easier by coming in and getting pre-approved. Need a snow blower for the lovely Pennsylvania winter, easy; as simple as completing the application. Granted, we cannot always make every loan request, but we will go the extra step and help you get on the road to recovery. Additionally, the Lending and Financial Services staff will always evaluate your credit report and show you ways that we can help you improve your financial life. After all, our job is to help and protect you, our member and greatest asset. As always, we greatly appreciate you being a dedicated member. Rest assured that we are always looking for better ways to help you save your hard earned money. Here at Riverfront Federal Credit Union, we are proud to be a part of the Berks County area and our mission of “Growing Stronger Together”. My name is Tim, if you happen to see me, stop and speak as I will do the same. Tim McLeod, President and CEO
Transcript of A QUARTERLY NEWSLETTER FOR THE MEMBERS OF RIVERFRONT FEDERAL CREDIT · PDF file ·...
October 2014A QUARTERLY NEWSLETTER FOR THE MEMBERS OF RIVERFRONT FEDERAL CREDIT UNION
A Message from our President
Important Changes to Your Credit Card Account TermsThe following is a summary of changes thatare being made to your credit card accountterms. These changes will take effect on December 1, 2014.
You have the right to reject these changes.However, if you do reject these changes youwill not be able to use your credit card accountfor new transactions. You can reject thesechanges by calling the Loan Department at800-451-3477.
Revised Terms as of December 1, 2014Late Payment Fee: Classic, Platinum, Platinum Plus $20
Late Payment Fee: Yes$ $15
Returned Payment Fee: Classic, Platinum, Platinum Plus,Yes$ $10
WOW! - MOBILE BANKING,MORTGAGE LENDING, NEW WEBSITE,NEW HOURS AND FEWER FEES!!! Whatelse could we possibly do? Well, buckleyour seatbelt because we are notfinished. The new direction is alive andwell at Riverfront Federal Credit Union.
Welcome to the 4th quarter edition of“Inside” Riverfront Federal Credit Union,the place where we illustrate for youthe latest goings-on and discuss thethings that are quickly getting ready tostart. As always, we greatly appreciateyou, our members, and welcome yourfeedback. We are always looking for abetter way to serve you and to makeyour financial life better. If you have acomment, we welcome your feedbackvia our state-of-the-art website so youcan tell us what’s on your mind. Goodor not so good, we want to hear whatyou have to say. Better yet, if you are inthe branch, or on the phone, take aminute and share your thoughts withus. We are listening!
Over the last few months, we have beendiscussing two important services thatwe are adding to the never-ending list:mobile banking and mortgage loans. Iam sure you have seen by now that ournew mobile banking app is available foruse. If you’ve not already done so, Iencourage you to give it a try as weknow you will like it. Also, we are in thefinal phase of development for the newFirst Mortgage Loan Program. In aboutanother month, you can finance thepurchase of your dream home righthere at your credit union. Beyond that,we have begun the process ofdeveloping new and better ways toserve you, from quick and efficient newmember documentation, to assistingyou in organizing all of your financialneeds under one roof. As you know,life as we know it today can get veryhectic. We, at Riverfront Federal CreditUnion, understand and are in theprocess of developing a tool to helpyou manage all of your day to dayfinancial needs in one location, yourcredit union. It just makes sense; thiscredit union is the “house” that youbuilt. So, be on the look-out forinformation that will make yourfinancial life better.
Aside from the services we have beendeveloping and launching over the lastseveral months, we have made it easierfor you to get a loan. Not only have werevised the process, but we haveassociates standing by to help you getto where you want to go. Need a newcar, not a problem! Make the processeven easier by coming in and gettingpre-approved. Need a snow blowerfor the lovely Pennsylvania winter, easy;as simple as completing theapplication. Granted, we cannot always
make every loan request, but we will gothe extra step and help you get on theroad to recovery. Additionally, theLending and Financial Services staff willalways evaluate your credit report andshow you ways that we can help youimprove your financial life. After all, ourjob is to help and protect you, ourmember and greatest asset.
As always, we greatly appreciate youbeing a dedicated member. Restassured that we are always looking forbetter ways to help you save your hardearned money. Here at RiverfrontFederal Credit Union, we are proud tobe a part of the Berks County area andour mission of “Growing StrongerTogether”. My name is Tim, if youhappen to see me, stop and speak as Iwill do the same.
Tim McLeod, President and CEO
Fee Schedule ChangesEffective November 3, 2014
Overdrawing account and item returned for insufficient funds $30.00
Stop payment fee on personal check(s), ACH debit or a check $30.00issued by Riverfront
Check copy $3.00
Balance inquiry made at an ATM $0.30
Account research:Member request first hour free; then $25.00/hourAttorney request $50.00/hour
Express mail delivery service for credit card $20.00
Cashing non-member payroll check $5.00
Outgoing wires:Domestic $20.00International $40.00
Process IRS Levy $50.00
Escheat/Unclaimed property $75.00
Copy of statement $5.00
Duplicate title $75.00
Bad address $5.00
Riverfront selected ten students toeach receive a grant of $750 towardan undergraduate study program at aqualifying institution. Recipients werechosen using a random lotterymethod of selection. Applications areavailable on our website each year inApril. Congratulations to this year’srecipients:
2014Recipients
Gabriel DuranJuniata CollegeBrian KershesPennsylvania College of TechnologyPaul JohnsonWest Chester University of PennsylvaniaJason PriceMessiah CollegeAdele ReinoehlWilson CollegeShalynne LamanBaptist Bible CollegeMaryJo IannelloWest Chester University of PennsylvaniaKaris PenningtonAlbright CollegeAnna ReedPenn State BerksMary BotchPenn State Berks
MasterCard® Zero Liability Rule ChangeMasterCard has announced changes to its rules limiting cardholder liability forunauthorized use which become effective on October 17, 2014.
A Riverfront MasterCard debitcard holder will not be liable for a transaction thatwas not authorized by the cardholder if the cardholder exercised reasonable carein safeguarding the card from risk of loss or theft and, upon becoming aware ofsuch loss or theft, promptly reported the loss or theft to the credit union. The ruleapplies to all transactions conducted with your Riverfront MasterCard debit card,including PIN-based transactions at the POS and ATM.
This rule shall not apply to a transaction conducted with a card that is:a. issued to an entity other than a natural person;b. issued for a commercial purpose; provided, the rule shall apply to a
transaction conducted with a card for a “small business” program as described on www.mastercardbusiness.com (under “Small Business,” selectthe “Products” tab);
c. issued and/or sold to a person until such time as that person’s identity isregistered by or on behalf of the issuer in connection with such issuanceand/or sale, which registration may include customer identification programrequirements.
Continued use of your card on/after this date constitutes your acceptance andagreement to the MasterCard Debit Card and ATM Card Agreement.
Absolutely!
Now you can check your account balances, pay
your bills, transfer funds and much more right
from your smart phone. Mobile banking is like
having a branch anywhere you are, putting you
Easy to use and totally secure, the new
Riverfront Mobile Banking App can
be downloaded at:
Mobile Banking
RiverfrontFCU.org
Access Your Accounts Anywhere with Our New Mobile Banking App
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Check out our other convenient and secure eServicesONLINE BANKING | BILL PAY | eSTATEMENTS
Gain easier access to your money using our new MobileBanking app on your mobile device. Check balances,transfer money, even pay your bills or make a loanpayment all from the palm of your hand.
Easy to Download. Easy to Use.Getting started is easy. First you’ll need to download theapp from the Apple store for iPhones or theGoogle Play store for Androids. Type “Riverfront FCU”in the search box to find and download our app. Oncethe download is complete, you will see an “R” icon onyour home screen or in your app folder. Tap the “R”icon to gain access to your accounts. If you use OnlineBanking, using the app will be a familiar experience.
Safety is Our Top PriorityYour session is protected by the same high levels ofsecurity and encryption as your Online Banking. Wetake security very seriously and always doeverything within reason to protect our members’valuable data. Your mobile transactions areencrypted and users are always authenticatedbefore granting access to Online and MobileBanking.
Mobile Banking is available to members whoenroll or have previously enrolled in Riverfront’sOnline Banking. If you need assistance, FinancialRepresentatives are available and ready to assistyou. Call or stop by a branch.
As always, we strive to provide you with greatmember service. Let us know how we’re doing!
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CONTACT INFORMATION430 South 4th St., Reading PA 19602610-374-8351 | 800-451-3477www.RiverfrontFCU.orgAfter Hours Loan 877-850-8231
ROuTING NuMBER: 231385536
Riverfront in our Community
Reading Shillington St. Joseph Medical Office Building
Monday 9 AM to 5 PM 9 AM to 5 PM 9 AM to 4 PMTuesday 9 AM to 4 PM 9 AM to 4 PM 9 AM to 4 PMWednesday 9 AM to 3:30 PM 9 AM to 3:30 PM 11 AM to 3:30 PMThursday 9 AM to 5 PM 9 AM to 6 PM 9 AM to 5 PMFriday 9 AM to 6 PM 9 AM to 6 PM 7 AM to 5 PMSaturday 9 AM to 1 PM 9 AM to 1 PM 9 AM to 12 PM
Stepping up to the Ice BucketChallenge gave Riverfront a chance toput their own fun spin on it to helpTWO good causes.
By making a donation, employeeswere entered in a drawing with thewinners earning the opportunity toice the senior manager of theirchoice. We raised $335! Riverfrontagreed to match employee donations
to give a $670 donation to Reading’sI-LEAD Charter School Senior ClassFund.
Tim McLeod, Riverfront CEO and hiswife Zarin, agreed to personallymatch employee funds to donate$335 to ALS. Thanks, Tom Gosling andour friends at Bellco Federal CreditUnion for the ALS Ice BucketChallenge.
Keystone Soldiers Staff volunteered their time on twoseparate occasions to help stock thepantry and to help the pantry moveto a new location.
August 5thTanya Bonilla-Smith, AdministrativeAssistant; Zarin McLeod, wife ofRFCU President/CEO, Tim McLeod;Ginny Hartman, Keystone Soldiersvolunteer; Jennifer Amill, FinancialService Representative; Marcy Wink,Marketing Specialist
August 25thHali Ziegler, Financial ServiceRepresentative; Michelle Fick,Member Service Supervisor; DonnaSmart, Human Resources Specialist
Ice Bucket Challenge Raises Money andAwareness for I-LEAD Charter School and ALS
Marcy Wink, Marketing Specialist soaked Sandra Czulada, Chief MarketingOfficer; Tanya Bonilla-Smith, Administrative Assistant soaked Ted Sweeney, ChiefLending Officer; Donna Smart, Human Resources Specialist, soaked Tim McLeod,President/CEO; Desiree Freytiz, Branch Manager soaked Jamie Denunzio, ChiefOperations Officer; Joel Santiago, Webmaster soaked Kirk Ohlinger, ChiefInformation Officer; Brian Keeney, Controller soaked Jeff Chelius, Chief FinancialOfficer.
