THE CREDIT UNION IS THE PLACE TO START!
IT'S OUR MONEY! SO TAKE CONTROL OF IT. GETTING STARTED WHY SAVE? WHY DO YOU NEED CREDIT? NEED A CAR?
WHEN YOU NEED US, WE'RE HERE. WHAT ABOUT A CREDIT CARD? TIPS ON WHAT TO ASK AN EMPLOYER PROTECT YOUR IDENTITY
There will always be times you get stuck without any cash. If you open a Share Draft/Checking Account at the Credit Union, you can always write a check to cover yourself. This is assuming that you have money in the account!

The great benefit of having a Checking Account at the Credit Union is that you have low or no service charges. Ask your Credit Union representative about the variety of Share Drafts/Checking that you can get and about the many other benefits the account offers.

Having a share draft account does not mean that if your monthly statement has a balance, you still have money in the account. You have to keep records, good records, of what you deposit and what share drafts you write. Then, when your statement does come, check your records in the register with the drafts and deposits listed on the statement. You must remember to subtract any checks you’ve written that aren’t included on your statement. Sounds simple, right? It is! There are even directions on the back of your monthly statement to help guide you. But, you’ll be surprised at the number of people who never balance their checkbooks and get overdrawn notices. Balancing your account each month is a critical part of managing your money.

If you write a share draft and the money isn’t in your account to cover the draft, it bounces. Bounces? Yes, the Credit Union will not honor it and sends it back. Plus, you get charged for bouncing the draft.

Be aware that if you repeatedly bounce share drafts, it will be hard to get good credit or to establish a new share draft/checking account at another financial institution.

Also, look for other charges on your statement that you may not realize have to be deducted. One such item is the payment for printing your share drafts.
 

| It’s your money! So take control of it. | Getting Started | Why save? | Using a share draft/checking account |
| Why do you need credit? | Need a car? | When you need us, we’re here. | What about a Credit Card? |
| Tips on what to ask an employer. | Protect Your Identity |
| The Credit Union is the place to start! |


Copyright LemmonTree Marketing Group. All rights reserved.