Smart Money MattersBuilding lifelong relationships with our members to help them achieve their financial goals

FALL 2015 Vol. 9, No. 4

through our system upgrade

Barry NelsonPresident & CEO

Pat MorenoBoard Chair

Over the last year, Travis Credit Union has been laying the groundwork for our major system upgrade that will take place from Oct. 31 through Monday, Nov. 2, 2015. This upgrade is an integrated process of enhancements and advancements designed to improve the credit union’s ability to meet your needs. It requires that we connect all of our operations to a new data-processing system.

We have been on our current data-processing system for more than 30 years. Technology has changed a lot in that time so we are excited about moving to a new system that will give our staff an opportunity to learn new, more effective ways to serve you. For example, this new system will allow you to access all of your accounts online more efficiently. After the upgrade, when you log in to Online or Mobile Banking, you will be able to view all the accounts on which you are a primary or joint member without logging into each of them separately.

We recognize that change can be difficult at first so our employees have spent the last several months training so that they’ll be prepared to help you adapt to the new system. Our goal is to make this as smooth and seamless of a transition as possible.

By now you should have received detailed information about the upgrade and how it will affect you during our System Upgrade weekend. This issue of Smart Money Matters is devoted to details about our weekend closures and upgrade. Pat and I encourage you to read up on the changes.

We understand that switching to a new computer system may cause you some inconvenience. We sincerely apologize for the need to close our branches, online channels and Call Center, Saturday, Oct. 31 through Monday, Nov. 2. However, even though our branches will be closed and our online and mobile banking will not be available, rest assured your payroll deposits, loan payments, allocations, credit card transactions, ATM transactions and scheduled bill payments will process as usual during this transition.

We know this is a huge undertaking. The sole purpose of upgrading our operating system is to better serve you for the next 30 years and beyond. We value your membership and appreciate your patience and understanding as we embark on this project on your behalf.

Pat and I wish you a very happy holiday season. We are truly excited about what 2016 brings for Travis Credit Union and its members!

Upgrading our systems to better serve you

w w w . t r a v i s c u . o r g2

2 Message from CEO

3 65th Annual Meeting and election notice

Did you receive your System Upgrade guide?

4 Adding value through System Upgrade

5 Benefits of the System Upgrade

6 System Upgrade Q&A

8 New looks for our System Upgrade

10 Key dates to remember

11 Planned service availability for upgrade weekend

12 In the community

14 Follow us on social media

International Credit Union Day 2015: This day is for you

15 Congratulations to our Ugly Room winners

Free Seminars

Contents

Elections will be held Thursday, April 28, 2016, for the Board of Directors

and the Supervisory Committee at Travis Credit Union. There are three

board of director positions and one supervisory committee position up

for election to three-year terms.

If you wish to stand for election, please mail your resume and cover

letter expressing interest in either the Board or Supervisory Committee

to the Nominating Committee at the address below. You may bypass the

nomination process and become a candidate by submitting a petition

signed by 100 members who are eligible to vote in the election.

To obtain petition guidelines and forms, please contact Sylvia Hanson at

(707) 469-1602 or (800) 877-8328, ext.1602. Your cover letter, résumé

and signed petitions must be postmarked no later than midnight on

December 30, 2015, to be considered by either nomination or petition.

Candidates must be members of the credit union in good standing, at

least 18 years of age and willing to dedicate significant time and energy

to the position. Please note that incumbent officials may choose to run

for re-election. The positions are voluntary and there is no monetary

compensation for service.

Requests for nominations and petitions should be mailed to:

Nominating CommitteeTravis Credit Union2010-A Harbison Drive #170Vacaville, CA 95687

65th Annual Meeting and Election Notice

Did you receive your System Upgrade Guide?We recently mailed all of our members a guide

that explains the changes taking place with our

System Upgrade. If you didn’t receive yours or

have misplaced it, you may visit a branch for a

copy or go online at www.traviscu.org to review

it and the important changes taking place.

(707) 4 49–4000 or (800) 877–8328 3

Adding ValueThrough Our System Upgrade

We apologize for the inconvenienceWe know the upgrade of our computer system, which involves

the closing of our branches on Oct. 31 and Nov. 2, 2015, may

cause you some inconvenience. We apologize and have mailed

you a System Upgrade guide to provide you with information to

help explain these changes.

ATM, debit and credit cardsYou will be able to use your existing cards without interruption

during this transitional period. You may also use another credit

union’s ATM that is part of the CO-OP ATM Network without

incurring a transaction fee.

Behind the scenes payroll and payment processingEven though the branches will be closed and online and

mobile banking will not be available, your payroll deposits, loan

payments, allocations and bill payments will process as usual.

Expect some things to look differentJust as with upgrades to your favorite Internet browser or

computer operating system, some things will look different.

Most of the changes will be behind the scenes and will only

affect credit union employees. However, members will notice

slight changes in their account structures and that their

statements have a new look.

Setting up unique User IDs and passwordsUnder the new system, you will be able to setup unique User IDs

and passwords for each person accessing an account online. For

example, today you may be sharing your User ID and password

with your spouse. After the upgrade, each of you can set up

unique IDs, passwords and security questions.

Online Banking lets you see all the accounts on

which you are primary or joint in one place

Benefits of the System Upgrade

We worked with members to design easier-to-read

account statements

Access your account information, 24 hours a day,

7 days a week

Employees can more efficiently help you by

seeing all of your account information in one place.

When you open a new account, the process will be more efficient

Account Numbers

Q: Will my account number change?A: Members who have only one primary account will retain the same account number. It will now be called

their member number.

Q: What if I have multiple accounts?A: If you have multiple primary accounts then the account with the lowest number is now your member number.

All of your account relationships will be consolidated under this lowest member number as shown in the

example below.

Q: Are account suffixes still used?A: Account suffixes as you have known them will be converted into account numbers. Each account will have

a unique nine-digit number. For many, your new account number will look familiar as it is a variation of your

current one.

Checks

Q: Do I have to order new checks?A: There is no need to order new checks. Your existing checks will continue to work for all of your deposit and

loan accounts.

Direct Deposit

Q: Will my direct deposit or automatic payments continue to post as they did on the old system?A: Yes. There is no need to make any changes to your direct deposits or automatic payments. They will continue

occurring as they did prior to the upgrade.

Account #1 Account #2 Account #3 New Member Number

123456 56462 4256 4256

Description Old Account New Account

Savings 4256-00 100425600

Checking 4256-50 100425650

Auto Loan 4256-03 200425603

Credit Card 4256-35 300425635

System Upgrade Q&A

w w w . t r a v i s c u . o r g6

Online Banking

Q: How will I log into my Online and Mobile Banking accounts after the upgrade?A: Members who have only one primary membership account will log in with their existing User ID

and password.

Q: I have multiple accounts; will I still log in separately?A: No. With the upgrade, you will log into Online and Mobile Banking with your existing User ID and password

and see all of your accounts in one place. If you have multiple accounts and have passwords for each, you

must log into the one with the lowest account number, which will be your new member number.

If you have never logged into your lowest member account number, you’ll be automatically enrolled and

your temporary User ID and password after the upgrade will be:

v User ID: (Your new member number)

v Password: (Your zip code and the last four digits of your social security number)

The first time you log into Online Banking, you’ll be prompted to change your password and set up a new

security image. After this, you will be able to access Mobile Banking too.

Bill Pay

Q: Will Bill Pay change?

A: No. Bill Pay will continue to be the same as before the upgrade.

Q: Do I need to set up my payments and payees again?A: No. Your current payees, biller information and history will be viewable in Bill Pay as it is today, as long as

you only have only one primary membership account.

If you currently have Bill Pay on multiple accounts and are primary on those accounts, all of your billers will

be combined into Bill Pay on your lowest member number. You could potentially see duplicate billers with

different account numbers. For example, if you have two homes and PG&E is the biller for both houses, you

could see two PG&E bills with separate account numbers for the different properties. You can nickname

these billers by going to the “Manage My Bills” tab, selecting the bill you would like to nickname and clicking

“Change Bill Info”.

Electronic Payment Processing

Q: Will my electronic payments process as they did on the old system?A: Yes. Your electronic payments and transfers and those scheduled through automatic deduction or bill

payment will process as usual.

(707) 4 49–4000 or (800) 877–8328 7

New Looksfor our system upgrade

You’ll now be able to see all of your

account relationships in one place.

You’ll now be able to see all of your

account relationships in one place.

Mobile banking now

has a fresh new look

Online Banking

Account Name Description Account Current Balance Available Balance

Jane’s Savings Prime Share 112345600 $519.21 $514.21

Jane’s MMA Jumbo MMA 112345626 $377,592.15 $377,592.15

Jane’s Checking Silver Wings Checking 112345650 $17,407.19 $17,407.19Re-Order

Checks

Tim’s Savings Young Adult 152393000 $11,660.71 $11,655.71

Tim’s Checking Free Checking 152393050 $2,703.41 $2,703.41Re-Order

Checks

John & Jane Savings Prime Share 172384500 $100.01 $95.01

John & Jane Checking Silver Wings Checking 172384550 $2,745.88 $2,745.88Re-Order

Checks

Total$412,728.56 $412,713.56

Account Activity WebConnect Manage AlertsAccounts Home Bill Pay E-statements My Offers Apply Online Transfer Funds Add New Account

Deposits Help

Accounts Home

Accounts Summary

Accounts Summary

?

i Welcome, TRAVIS CREDIT UNION MEMBER Last Login 6/11/2015 at 10:15AM

Deposits

Loans

Prime Share112345600Current: Available:

AT&T LTE 3:35 PM 85%

Jumbo MMA112345626Current: Available:

Silver Wings Checking112345650Current: Available:

Young Adult152393000Current: Available:

Free Checking152393050Current: Available:

Prime Share172384500Current: Available:

Silver Wings Checking172384550Current: Available:

Prime Share112345600Current: Available:

$508.33 $503.33

$398,607.84$398,607.84

$13,186.10$13,186.10

$118.97 $113.97

$5,863.50$5,863.50

$111.00 $106.00

$1,790.42$1,790.42

$508.33 $503.33

EQUAL HOUSINGLENDER

Secure Area© 2015 Travis Credit Union. All rights reserved.Federally insured by NCUAPrivacy Disclosure

In this example, the member has nicknamed her primary

account “Jane”, her son’s account which she is joint on “Tim”

and her joint account with her husband “John and Jane”.

Mobile Banking

w w w . t r a v i s c u . o r g8

You’ll now see a running

balance after each transaction

Bold account headings

make it easier to find

what you’re looking for.

You’ll notice an easier-to-read

format that includes all of

your primary accounts

Statements

3

(707) 4 49–4000 or (800) 877–8328 9

Key Dates to RememberSaturday, Oct. 31, through Monday, Nov. 2, 2015v All branches and Call Center will be closed

v Online and Mobile Banking will be unavailable

v Call 24 will be unavailable

v You will be able to use TCU ATMs or any other credit union’s ATM that is part of the CO-OP ATM Network without incurring a transaction fee

Tips for upgrade weekend (Oct. 30 – Nov. 2)

v Make sure to schedule all of your online bill payments

by Friday, Oct. 30

v Review your account balances since this information

will not be available until Tuesday, Nov. 3

v If you need to visit a branch, make sure to do so

before Friday, end of business

v If you have questions or concerns, be sure to call us

before Friday at 800–877–8328

w w w . t r a v i s c u . o r g10

Friday, October 30

Saturday, October 31

Sunday, November 1

Monday, November 2

Tuesday, November 3

Branches Normal Hours Closed Closed Closed Normal Hours

Call Center Normal Hours Closed Closed Closed Normal Hours

Online Banking Available * Unavailable Unavailable Unavailable Available

Bill Pay Available * Unavailable Unavailable Unavailable Available

Money Mover Available * Unavailable Unavailable Unavailable Available

Popmoney Available * Unavailable Unavailable Unavailable Available

Mobile Banking Available * Unavailable Unavailable Unavailable Available

Call-24 Phone Banking Available * Unavailable Unavailable Unavailable Available

E-Statements Available * Unavailable Unavailable Unavailable Available

E-Alerts Available * Unavailable Unavailable Unavailable Available

Shared Branching Normal Hours Unavailable Unavailable Unavailable Normal Hours

TCU ATMs Available Available Available Available Available

ATM Network Available Available Available Available Available

Debit Card Available Available Available Available Available

Credit Card Available Available Available Available Available

Planned Service Availability for Upgrade Weekend

* Available until 10:00 p.m. **Information in this issue is accurate as of Sept., 24, 2015

(707) 4 49–4000 or (800) 877–8328 11

Mad City Money

Teens in Richmond and Vacaville learned

about the challenges of managing their

personal finances through our Mad City

Money workshops held in June. This free

program teaches teens how to budget their

money and how to identify the difference

between financial wants and needs.

Clayton Shredding EventTravis Credit Union partnered with Data

Safe for a community shredding event in

Clayton on May 16. The event included

on-the-spot document shredding as well

as advice on how to protect your personal

information from identity thieves.

Dixon May Fair ParadeTCU employees from our Dixon Branch

showed their team spirit in the Dixon

May Fair Parade last May. They are just

one example of how the credit union

is actively involved in the communities

we serve.

C mmunity

w w w . t r a v i s c u . o r g12

Touro University PartnershipTravis Credit Union, in collaboration with

NorthBay Healthcare, announced in June

a new partnership to award six $5,000

scholarships to deserving nurses attending

Touro University California’s School

of Nursing. Our goal is to advance the

clinical expertise and economic security

of registered nurses living and working in

Solano County.

Mary Keith Duff Scholarship ReceptionThe latest recipients of our Mary Keith

Duff Scholarship gathered with their

proud parents in our Community Room

in Vacaville last June for a scholarship

reception. We wish these college freshmen

success in their first year of studies. We’ll

begin accepting applications for our 2016

scholarship starting Jan. 1, 2016.

Visit www.traviscu.org for details.

Pista Sa NayonTCU was a proud sponsor of the

Pista Sa Nayon event on the Vallejo

waterfront last June. The annual event

celebrates Filipino heritage, pride,

culture and tradition.

Travis Credit Union employees actively support the people and communities we serve through an investment of financial resources and human capital. We’re also engaged based on our core purpose, promoting the mission of "People Helping People”, through financial literacy and advocay initiatives. Here are some of the events our employees participated in over the past few months.

(707) 4 49–4000 or (800) 877–8328 13

Oct. 15, 2015 is International Credit Union Day, a time for everyone in the credit union industry to celebrate the positive impact credit unions have had on their 200 million members worldwide.

In 1948, the third Thursday of October was selected to honor those who have dedicated their lives to the movement. This year’s theme returns to the core philosophy of “People Helping People.”

Travis Credit Union wants to acknowledge all of our members for placing their financial trust in us and for their membership over the past 64 years. We also want to thank current and former TCU employees for their years of dedication and contribution in the credit union industry.

International Credit Union Day 2015: This day is for you!

We know our members talk about us and refer Travis Credit Union

to others for their personal finances. By following us on social

media such as Facebook and Twitter you’ll find out about

upcoming seminars, contests, promotions, meetings and

other credit union activities. Stay informed about the benefits

of your credit union membership throughout the year on

social media.

You can also find us on our YouTube and Pinterest pages. Learn

about the people who work here and about any current job

opportunities at Travis by visiting Travis Credit Union’s official

LinkedIn page. Visit www.traviscu.org to find links to all of our

social media sites.

See you on social media!

Keep in touch with us on

social media!

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w w w . t r a v i s c u . o r g14

Take Charge: Wise use of credit cards Oct. 7, EM Downer Family YMCA, 6 to 7:30 p.m. 263 S. 20th St., Richmond

Oct. 10, Antioch Library, 6 to 8:00 p.m. 501 W 18th St., Antioch

Oct. 13, TCU Community Room, 6 to 7:30 p.m. One Travis Way, Vacaville

Oct. 29, Concord Library, Concord 2900 Salvio St., Concord

Find out how to use credit cards to your advantage. You’ll learn the benefit and costs of credit cards, how to build a good history, the warning signs of having too much debt, how to avoid credit card fraud and how to get and read your credit report and credit score.

Take the Wheel: Get the best car deal Nov. 4, EM Downer Family YMCA, 6 to 7:30 p.m. 263 S 20th St., Richmond

Nov. 14, Antioch Library, 12:30 to 2:00 p.m. 501 W 18th St., Antioch

Nov. 19, Concord Library, 6 to 7:30 p.m. 2900 Salvio St., Concord

This seminar explains the car-buying process, which includes how to determine what you can afford and how to negotiate with dealers for the best price. Attendees will also learn the benefits of buying a used vehicle and how to understand the various financing options and warranties available. You’ll also learn where to get help if you have warranty problems.

Free Seminars

Travis Credit Union offers a variety of free seminars throughout the year on a range of subjects designed to help you achieve your personal and financial goals. Here are the seminars occurring in the third quarter of 2015.

You can sign up online at www.traviscu.org at least five days before the seminar. The Seminars tab is located under the Community section of our website.

Congratulations to the grand prize and weekly winners of our Travis CU Ugly Room contest on Pinterest held this past June. Our judges had a difficult decision in choosing the ugliest room but ultimately chose the bathroom submitted by Kylee B. of Taylors, South Carolina, as our top winner. Congratulations, Kylee!

Here is a list of our all of our contest winners. You can view all of the entries on Pinterest, under “Travis CU Ugly Room Contest.”

Grand prize winner Kylee B. of Taylors, S.C.

Weekly winners: Cynthia W. of Wilton, Calif.

Lana S. of Hughson, Calif.

Perfecto G. of Fairfield, Calif.

Vicki M. of Vacaville, Calif.

Elizabeth L. of Decatur, Ala.

John F. of Suisun, Calif.

Our thanks to everyone who entered. Watch

for more fun contests next year!

Congratulations to our Ugly Room winners!

Before After

(707) 4 49–4000 or (800) 877–8328 15

BRANCH LOCATIONS

Antioch 2721 Lone Tree Way 5819 Lone Tree Way

Atwater 981 Bellevue Road

Benicia 836-C Southampton Road

Clayton 5441 Clayton Road

Concord 1257 Willow Pass Road

Davis 1380 E. Covell Boulevard

Dixon 1470 Ary Lane NEW LOCATION!

Fairfield 5075 Business Center Drive 2600 Estates Drive (Paradise Valley Residents only)

1340 Gateway Boulevard 2570 North Texas Street 659 Skymaster Drive (Travis AFB)

Merced 1194 West Olive Avenue

Napa 3263 Claremont Way

Richmond 3300-A Klose Way

Suisun 131-A1 Sunset Avenue

Vacaville 11 Cernon Street 2020 Harbison Drive 2010 Peabody Road 1650 E Monte Vista Ave Suite EE102

Vallejo 1796 Tuolumne Street

Woodland 1372 E. Main Street

In recognition of the following holidays, all branches and member service center will be closed:

Columbus Day . . . . . . Monday, October 12Veterans Day . . Wednesday, November 11Thanksgiving . . . .Thursday, November 26Christmas Day . . . . . . . Friday, December 25

For your convenience, Call-24 Phone Banking, Online Banking and PhoneLoanSM will be available on these holidays.

Holiday closures

P.O. Box 2069Vacaville, CA 95696

PRESORTEDSTANDARD

U.S. POSTAGE

PAIDSACRAMENTO, CA

PERMIT NO. 195

Smart Money Matters is produced by Travis Credit Union’s (TCU’s) marketing department for distribution each quarter to provide TCU news and information that will help members achieve their financial goals. The contents do not constitute legal, accounting, tax or other professional advice. Rates and policies are subject to change. All loans are subject to credit approval. Some restrictions may apply. For complete details, read your account disclosures or contact the credit union.

Federally insured by NCUA. Certain membership requirements may apply. Equal Housing Lender Fall 2015 NMLS registered

ADDRESSES

Mailing P.O. Box 2069, Vacaville, CA 95696

ShippingOne Travis Way, Vacaville, CA 95687

Deposits and Loan PaymentsTravis Credit UnionP.O. Box 8000Travis AFB, CA 94535

ACCOUNT INFORMATION

Call-24 Phone Banking (707) 449-4700 or (800) 578-3282

Web sitewww.traviscu.org

SERVICE DEPARTMENTS

Member Service Center(707) 449-4000 or (800) 877-8328

Home Loan CenterOne Travis Way(707) 469-2000 or (888) 698-0000

Business Services CenterOne Travis Way Deposit Accounts: (707) 469-2042Business Loans: (707) 449-4000

PhoneLoanSM

(707) 451-5350 or (800) 449-4110

Check Fraud Information(707) 469-4384 or (800) 877-8328, ext. 4384#

Debit / Credit Card Fraud Information(707) 469-1810 or (800) 877-8328, ext. 1810#

PRESIDENT & CEO Barry Nelson

BOARD OF DIRECTORSPatricia Moreno . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ChairDeborah Aspling . . . . . . . . . . . . . . . . . . . . . . . Vice ChairMary Coburn . . . . . . . . . . . . . . . . . . . . . . . . . . . SecretaryTom Kulinski . . . . . . . . . . . . . . . . . . . . . . . . . . . . TreasurerDee Alarcón . . . . . . . . . . . . . . . . . . . . . . . . . . . . . DirectorLen Augustine . . . . . . . . . . . . . . . . . . . . . . . . . . . DirectorCurt Newland . . . . . . . . . . . . . . . . . . . . . . . . . . . . DirectorAnn Rollin . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . DirectorTim Truesdale. . . . . . . . . . . . . . . . . . . . . . . . . . . . Director

SUPERVISORY COMMITTEE

Johanna Benker . . . . . . . . . . . . . . . . . . . . . . . . . . . . ChairArturo Reyes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MemberDoug Beaumont . . . . . . . . . . . . . . . . . . . . . . . . . Member CORRESPONDENCE

Your feedback is important to us. Please address your suggestions or concerns to:

Barry NelsonPresident and CEOTravis Credit UnionP.O. Box 2069Vacaville, CA 95696

Unresolved issues or problems regarding the credit union should be directed to:

Travis Credit Union Supervisory Committee P.O. Box 2070Vacaville, CA 95696