Additional Services
ATM/Visa Check Cards ATM/Visa Check Card Application
This versatile card lets you use the funds in your credit union checking account even at places that don't normally take personal or out–of–town checks. You receive no credit advances, no interest charges, and equally important... no fees when buying merchandise at your favorite retail stores. As an ATM card, its the perfect mate for checking, savings and direct deposit, and gives members 24-hour access to their money and their accounts. As an added bonus, the Credit Union belongs to SUM, a selective surcharge program managed by NYCE network. As a SUM member, we are associated with other financial institutions who agree to allow our cardholders to use their ATM's surcharge free. Please visit www.sum-atm.com for a list of SUM ATM locations.ATM/Visa Check Card ”Questions & Answers”
The following is a list of frequently asked questions regarding the new ATM/Visa Check Card:
Q: What is a ATM/Visa Check Card?
A: As a VISA Check Card, it is widely accepted as an alternative to writing a check. You can use it to pay for purchases at any merchant displaying the logo that appears on your card. The purchase price will be deducted from your Credit Union Share Draft (checking) Account; however, the appropriate funds must be available in your account for the transaction to be approved.Q: Why should I use my ATM/Visa Check Card?
A: There are many situations where writing a check can be inconvenient, like when you are in the express line at the grocery store. ATM/Visa Check Card transactions are approximately five times faster than writing a check, since there is no need for check approval and proof of identification. The funds are still deducted from your Checking Account.
Q: Where would I use my ATM/Visa Check Card?
A: Use it where ever the logo that appears on your card is displayed - like the grocery store, your favorite retailer, gas stations, or your favorite restaurant. There are millions of locations worldwide where your ATM/Visa Check Card can come in handy!
Q: How do I use my ATM/Visa Check Card?
A: It's easy! When paying for purchases, your ATM/Visa Check Card is scanned by a retail point-of-sale machine, automatically deducting funds from your Checking Account. Funds must be available for the transaction to be approved. When the process is complete, you will receive a printed receipt for easy record keeping.
Q: What if I'm given a choice of buttons to press at the merchants terminal?
A: You may need to choose between a "CREDIT" button and a "DEBIT" button. Those buttons determine how the merchant processes the transaction. Always press "CREDIT". If you choose "CREDIT", you will simply sign a receipt and pay no fees.
Q: When I use it, am I borrowing from a revolving line of credit?
A: NO! It is not a credit card. Funds are always deducted directly from your Checking Account just as if you had written a check.
Q: Will merchants know how to process my transaction?
A: Yes. Merchants will process your ATM/Visa Check Card transaction just like a credit card transaction.
Q: Can I use it to place orders by phone?
A: Sure. If funds are available in your Checking Account and the merchant accepts major credit cards, you can use it.
Q: Won't this make balancing my checkbook a headache?
A: ATM/Visa Check Card transactions appear on HomeBanking24 and your monthly Account Statement, just like the checks you write. Your ATM/Visa Check Card can be used as a budgeting tool to track your pattern of spending.
Q: My spouse and I use the same account. We share one checkbook, so will we have to share one card too?
A: No. But you may request another card so each of you have one to use at your convenience.Q: If I want to return something I purchased with my ATM/Visa Check Card, do I go to the Credit Union or go back to the merchant?
A: Take all merchandise to be returned back to the merchant where you purchased the items, just like you do now when paying with cash, check, or with a credit card.
Q: Am I protected if my ATM/Visa Check Card is lost or stolen?
A: Yes. Just as with ATM cards, if you report a lost or stolen card within two business days of its loss or theft, you will not be held liable. If you fail to report it within this time period, you could be held responsible for $50 or more. Treat your ATM/Visa Check Card like you treat your ATM card or checkbook - like cash.
Postage Stamps
For the convenience of our members and at no additional fee, postage stamp books are offered at both the Stoneham and Wilmington branches of our credit union. No longer do you need to make that second stop at the post office.
E-Statements
Using Home Banking24, you can view and print your electronic statement any time you wish. E-Statements are easy to access. Simply log on to Home Banking24 and click on the STATEMENT button. Here you will always find 6 months of statements, available for viewing or printing.
Online Imaging
With Online Imaging, you have access to view and print paid drafts (checks), both front and back, that have cleared your share draft (checking) account. Just log on to Home Banking24 and click on the DRAFTS tab. Your draft numbers should be highlighted – simply click on the draft you want to view and/or print.
Members Mortgage
Our mortgage partner, Members Mortgage, offers a wide range of mortgage products and is committed to providing our members with individual attention when applying for a loan. They take pride in the knowledge and professionalism of their staff, who will advise you on your best mortgage options. Take advantage of MortgageClick - their online approval process at www.mortgageclick.org. You may also contact our mortgage partner at 800-316-9790, or email at fran@membersmortgage.com for current information on our mortgage plans. More information can be found at their website www.membersmortgage.com.
Check Reorder
Please visit www.libertysite.com/members/default.asp to reorder checks online.
Direct Deposit
Direct Deposit can be used to provide a safe, convenient and reliable way to automatically deposit any periodic payments you receive. It allows you more free time to do other things because your funds arrive electronically, plus there's no worry of checks lost or delayed in the mail. While Social Security is the most common, you may have payroll or pension checks, annuities, dividends, and any other regular payments you receive by check, credited to your share draft account using Direct Deposit.
Money Orders
$2.00 each.
3rd Party Credit Union Checks
$500 or less, $2.00 each - $500 or more, No Fee
American Express Travelers Cheques
Single signature - No Fee
American Express Gift Cheques
$2.00 each.
US Savings Bonds
US Savings Bonds are a great way to save. They are competitive, safe, affordable and convenient. Savings Bonds are available for purchase in our Main Office in Stoneham and our branch in Wilmington. For more information, please visit www.savingsbonds.gov.
Wire Transfers
Members who maintain an active account with the Credit Union may receive funds by wire transfer. The following instructions should be given to the person or financial institution originating your wire transfer. A receipt will be mailed to you upon receipt of funds for credit to your account.
Wire to: Eascorp ABA # 211391773
Woburn, MA 01801
Further credit to: Stoneham Municipal Employees
Federal Credit Union
Stoneham, MA 02180
ABA # 211386005
Final deposit to: Member's name and account number at
the Credit Union
Enterprise Car Sales
Buying a used car has never been easier! Enterprise Car Sales offers car buyers the "Perfect Used Car Package", taking the hassle out of car buying. By partnering with Enterprise, we're bringing our members the advantage of our low car loan rates, coupled with a pleasant, haggle-free car buying experience.
Enterprise operates under the same philosophy as the Credit Union; they treat our members as people and not just customers. Here are some of the highlights of Enterprise's Car Sales program:
One price system - no haggling. All prices are set and listed on the cars.
Prices are below NADA or Kelley Blue Book Retail Value!
12 month/12,000 mile Limited Powertrain Warranty.
7-day repurchase policy offered nowhere else in the country.
Trade-ins welcome. Enterprise accepts all trades for members convenience.
Over 40 makes and models to choose from, all on one lot!
Cars are hand-picked, then the best cars are certified to ensure top quality.
For more information about Enterprise Car Sales, please visit their website at www.enterprise.com/carsales/home.do, or call 1-800-CAR-SALES.