Clearstar Financial
Credit Union offers
the following additional services for your
convenience:
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•
Accidental Death &
Dismemberment Insurance
• American Express Cheques for
Two
• American Express Gift Cards
• American Express Gift Cheques
• American Express Travelers
Cheques
• American Express TravelFunds
Card
• ATM CO-OP Network
• Audio Response Teller (ART)
• Cashier’s Checks
• Consumer Credit Affiliates:
non-profit credit counseling
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•
Credit Life & Credit
Disability Insurance
• Direct Deposit
• Excess Share Insurance
• GAP Insurance
• Major Mechanical Protection
• Medallion STAMP Program
• Notary Service
• Online Check Reorders
• Online Loan Application
• Safe Deposit Boxes (Bible
Way branch only)
• VISA® Credit Card
• Courtesy Overdraft
• Wire Transfer
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Accidental Death & Dismemberment
Insurance |
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As a member of the credit
union age 18 or over, you are entitled to
receive $1,000 of 24-hour Accidental Death
and Dismemberment Insurance. There is no
cost to you! The credit union pays the
premiums. To take advantage of the insurance
you just simply fill out an enrollment form
and this wonderful benefit is yours.
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American Express
Cheques for Two |
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Get all the safety and
security of the traditional Travelers
Cheques, plus a dual signature feature for
traveling families and couples. Cheques for
Two have a convenient dual signature feature
allowing either of you to purchase or use
them. So one can go sightseeing while the
other relaxes.
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American Express
Gift Cards |
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| If you’re looking for the
perfect gift, look no further than American
Express Gift Cards. From sushi to sporting
goods to suede jackets, you can be sure
they’ll get exactly what they want, every
time. It’s the perfect gift for holidays,
birthdays, weddings, and also to say thank
you. And unlike store gift cards, American
Express Gift Cards are good at over a
million different places. The funds never
expire, they're available in a variety of
prepaid amounts and if they are lost or
stolen, the balance can be refunded or
replaced*. *Terms and conditions are
applied to Gift Cards. Card fees and certain
restrictions apply. Good in the U.S. where
American Express Cards are accepted. If
funds have not been depleted by the valid
thru date on the Card, the remaining funds
can be refunded/replaced. Replacement fee
may apply. For complete terms and
conditions, visit americanexpress.com or
call 1-877-AXP-GIFT
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American Express
Gift Cheques |
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Unlike store cards or gift
certificates, American Express Gift Cheques
let the people you care about get exactly
what they want, every time. That’s because
Gift Cheques can be used to buy virtually
anything, from stereo speakers to a new
sweater, from a spa treatment to a puppy.
And because they are available in a variety
of denominations, Gift Cheques are ideal for
everyone on your list - for friends and
family or for tips and thank yous.
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American Express Travelers Cheques
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Travel with peace of mind. Travelers Cheques
are accepted practically anywhere. If your
traveler’s cheques are lost or stolen they
are refundable usually within 24 hours. Plus
they provide you the peace of mind knowing
that behind every Cheque is someone who can
help in a travel emergency, 24 hours a day,
7 days a week.
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American Express TravelFunds Card
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Next time you are away on vacation, carry
the convenient TravelFunds Card from
American Express. It’s a prepaid, reloadable
card that’s safer than cash. And just like
Traveler’s Cheques, if it’s lost or stolen,
your balance can be refunded – usually
within 24 hours.* It can even help you
replace lost passports and major credit
cards.** Best of all, you can use it at
millions of places worldwide, including ATMs
that accept the American Express Card. So no
matter where you are going, the TravelFunds
Card gives you the safety and security that
you deserve. *Funds available at the time
your Card is lost or stolen will usually be
replaced within 24 hours. **Proof of
TravelFunds Card purchase may be required.
Credit card replacement assistance is for
major bank issued credit cards only (not
retail store, gasoline, calling cards, etc.)
Fees for passport/credit card replacement
are the sole responsibility of the Customer.
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ATM
CO-OP Network |
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ATM Surcharges…Don’t Like ‘Em? Well, neither
do we! And that’s why we have joined the
largest credit union ATM CO-OP Network to
bring you more ATM’s with no surcharges. As
a member you will have access to over 25,000
ATM’s across the country including 7-Eleven
Stores that are
surcharge-free. Just look for the CO-OP
Network logo on the ATM and you know that
there will be no surcharge from Clearstar
Financial Credit Union or the other credit union. We
have a link on our website to find an ATM
closest to you and every branch has
brochures with the local and national
locations. Now you can also use GPS and
text messaging to help you find the nearest
surcharge free ATM. Click below for more
info!
[Click here to find a CO-OP Network ATM.]
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Audio
Response Teller (ART) |
ART is an automated 24-hour voice response
system. You can access your account
information any time of the day or night
with your phone. Just some of the
transactions that you conduct on ART are:
check balances of your share savings,
checking and loan accounts, inquire about
cleared checks, transfer funds between
accounts, inquire about loan balances and
make payments.
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Cashier’s Checks |
There are some entities that do not accept
personal checks but they will accept a
cashier’s check. You can obtain funds from
your share savings or checking with a
cashier’s check.
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Consumer Credit Affiliates |
Consumer Credit Affiliates is a non-profit
debt-counseling agency that is committed in
helping you reach your financial goals. CCA
can help you set up a plan to get out of
debt, save for your first home, pay back
student loans or pursue a personal dream.
Confidential, individual financial
counseling is available in person, by
telephone, mail and/or the Internet.
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Credit
Life & Credit Disability Insurance |
Credit Life Insurance is a protection plan
that pays off your loan if you die before
the loan is paid off. This will reduce the
financial obligations for any of your
survivors by reducing or paying off your
debt. This very affordable insurance also
protects your collateral and improves your
family’s financial security.
Credit Disability Insurance is a protection
plan that makes your loan payment to the
credit union if you become totally and
continuously disabled by a covered sickness
or accident. This will reduce your financial
burden by making your payments until you
have recovered or eventually pay off your
loan if your disability is long-term.
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Direct
Deposit |
If you don’t like standing in line, waiting
for the mail, and worrying about your check
being late, lost or stolen, you will love
Direct Deposit. If you receive a government
payment or your employer is participating in
Direct Deposit of paychecks, you may enroll.
With Direct Deposit, your designated deposit
is sent directly to your checking or share
savings account at Clearstar Financial
Credit Union
and there is no more waiting.
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Excess
Share Insurance |
We are pleased to inform you that your
savings and investments are insured up to
$350,000. This exceptional level of coverage
is attained through a combination of federal
insurance provided by the National Credit
Union Administration (NCUA) and private
insurance by the Excess Share Insurance (ESI)
Corporation. Clearstar Financial Credit
Union is
committed to making sure your investments
are safe with us.
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Gap
Insurance |
You could lose more than your vehicle if it
is stolen or involved in a major accident.
You could lose your investment. Because most
insurance policies only cover the value of
your vehicle – something that rapidly
declines during the first few years of
ownership – your loan balance can be higher
than the value of your vehicle.
Now you can protect your vehicle investment
with Guaranteed Asset Protection (Gap)
Insurance. Gap protects you from a potential
loan deficiency and covers the “gap” between
the value of your investment and the amount
you still owe. Gap will also cover up to
$1,000 of your insurance deductible and it
will provide you with $1,000 towards a down
payment on your replacement vehicle if you
finance your loan with the credit union.
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Major
Mechanical Protection |
Major Mechanical Protection (MMP) provides
valuable protection against the costs
associated with most unexpected breakdowns,
beyond the normal terms and conditions of
the manufacturer’s standard warranty. This
will eliminate or reduce your out of pocket
expenses like towing, rental car, fuel
delivery service, etc. You will have the
peace of mind that you will not incur a
financial burden for any unexpected auto
repairs.
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Medallion STAMP Program |
The STAMP (Securities Transfer Agent
Medallion Program) is the only official
signature program recognized by all major
financial institutions and endorsed by the
Securities Transfer Association, which
represents the largest transfer agencies in
both the United States and Canada. The
stamps are used for signature guarantees on
all stocks, bonds or securities that are
sold, purchased or otherwise transferred.
Transfer agents will not accept a security
without this signature guarantee.
Representatives are available at the Bible
Way branch to assist you if you would ever
need this service.
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Notary |
Whether you need a notary for personal
documents or anything else that might come
up, Clearstar Financial Credit Union is here to assist
you. We have notaries at every branch
location who will provide you with this
service at no charge.
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Online
Check Reorder |
You can inquire on the status of your recent
order of checks or place a no change reorder
online in a safe and secure environment. You
have the ability to choose the number of
boxes of checks that you need and you may
choose your delivery preference for the
reorder. Once you have placed the reorder
you will receive a confirmation email
verifying your order has been received and
is in process. You will have the ability to
get immediate order status once an order has
been submitted.
[Click here to Reorder your checks online.]
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Online
Loan Application |
Apply for a Clearstar Financial Credit Union loan 24
hours a day, 7 days a week. Receive an
approval within minutes. You can even apply
for your loan in your pajamas. Simply log in
to
Online Banking and click the Loan
Options tab.
[Click here to enroll in Online Banking.]
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Safe
Deposit Boxes |
Safe Deposit Boxes are available for an
annual fee of $35 to $80 (depending on size)
at the Bible Way branch in Reno.
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VISA®
Credit Card |
With the Clearstar Financial Credit Union VISA® Credit
Card you pay no annual fee, and the current
annual percentage rate is well below what
you would pay for most other cards. You can
pay your credit card bill over the Internet
saving you time and money. The Clearstar
Financial Credit Union
VISA® Credit Card provides exceptional value
through low rates, convenience and
flexibility for your busy life.
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Courtesy Overdraft |
Courtesy Overdraft is a service provided to
take life’s little inconveniences into
consideration if you should end up with a
non-sufficient funds check being presented
for payment. The credit union without
obligation on our part, will consider paying
this item as opposed to returning the item
unpaid to the merchant or person you may
have written the check to.
The credit union is not promising to pay
your overdrafts, not all accounts are
eligible, and some restrictions apply. If
your account should overdraft and Courtesy
Overdraft does pay your check you will incur
the standard non-sufficient funds fees even
though your check has been paid.
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Wire
Transfer |
A wire is the quickest way to move funds
between financial institutions. You can do
this from any deposit account. For security
purposes we do require your signature,
however, you can fax your signed request to
the credit union. A fee is associated with
this service; please refer to our current
Fee Disclosure.
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