outh
E X C H A N G E
University of South Alabama
Federal Credit Union
103 Hillcrest Rd.
Mobile, AL 36608
Board of Directors:
President, Polly Stokley
Vice President, Pam Henderson
Secretary, Scherita Mixon
Treasurer, Ben Tipton
Board Members
Wayne Davis
Chuck Warnol
John Smith
Management and Staff:
Manager
Felicia McKee
Assistant Manager
Anita Stevenson
Bookkeeper
Vacant
Loan Officers
Sandra Bolden
Kristin Blackerby
Compliance Specialist
Stacy Barnhill
Head Teller
Stephanie Lowe
Tellers
Doris Martin
Brenda Walker
Angela Garrick
Khyrstal Brown
Phone: (251) 706-0255
Fax:
(251) 706-0299
Main (Campus) Lobby Hours:
Monday – Friday
8:00 a.m. till 5:00 p.m.
Drive-Up Hours:
Monday - Thursday
7:30 a.m. till 5:00 p.m.
Friday
7:30 a.m. till 5:30 p.m.
USAMC Branch Office Hours:
Monday, Wednesday, Friday
8:00 a.m. till 12:30 p.m.
1:00 p.m. till 4:00 p.m.
Children’s & Women’s Hospital
Branch Hours:
Thursday
8:30 a.m. till 12:30 p.m.
1:00 p.m. till 4:00 p.m.
Click and go - Your CU takes care of the rest
Simplify Your Life with Online Bill Pay
Are you tired of wasting time, money, and energy
addressing envelopes, buying stamps, and sending
out a pile of bills every month? Do you want to
simplify the bill-paying process? Then it’s time to
check out your credit union’s Online Bill Pay.
With this easy and convenient service, you can
quickly pay any business or individual on a monthly
basis, directly from your CU checking account. You
have the flexibility of making one-time payments or
scheduling payments in advance so you don’t have
to worry about making manual adjustments each
month for ongoing bills.
Online Bill Pay also allows you to:
* Track your payments
* View payment history in a centralized location
* Pay many creditors and multiple bills in one
easy step
In addition to saving time and money, with Online
Bill Pay you will:
* Pay bills safely and securely
* Avoid late payments and the associated charges
* Manage debt more efficiently
Paying bills is one of life’s necessary evils so why
not make it as painless as possible with our Online
Bill Pay. Sign up today on your home banking page
and simplify your life. (Account must have checking
attached to utilize)
July is “Account Information
Update” Month
During the month of JULY, when you visit the credit
union or call, we will be verifying all your account
information. According to the USA PATRIOT
Act, section 326, all members must supply the credit
union with certain forms of current government
issued identification, a physical address, a valid tax
identification number and your date of birth. It is the
policy of the credit union to also make a copy of your
USA employee or student ID.
This month we will be verifying all account addresses
and phone numbers on your account.
The credit union thanks you for your continued
support and hopes that you continue to make us your
one stop financial shop.
Equal Opportunity Lender.
Equal Housing
LENDER
SUMMER 2014 EDITION
As part of our continuing
effort to bring the best
technology and service to
our members, the credit
union is upgrading our
Fraud Detection and
Notification System.
The new system will
provide more immediate attention to notify our
members faster when fraud is suspected. The
notification portion of the system includes a stateof-the-art automated assistant to help our members
review transactions and confirm their spending
activity on your debit and or credit card.
If you receive a notification call from our automated
assistant, whom we have nick-named Jill, please
work with her to answer questions regarding recent
card activity. Please also be aware that our Card
Member Security team that provides fraud alert
management is available 24 hours per day, 7 days per
week should you need assistance from a live agent.
If suspicious transactions are identified as fraudulent,
calls will be transferred to our outstanding member
support team at Card Member Security to help
you take the necessary precautions to protect your
cards and related accounts. If the recent activity is
legitimate, members will be able to close the case
with the phone attendant using their touch-tone
phone.
Thank you for your support through this upgrade
and, as always, thank you for being a member of the
credit union.
Holiday
Closings, 2014
Friday, July 4, 2014.................................Independence Day
Monday, September 1, 2014............................... Labor Day
Thursday, November 27, 2014..................Thanksgiving Day
Wednesday, December 24, 2014..............Close at 1:00 p.m.
Thursday, December 25, 2014...................... Christmas Day
Wednesday, December 31, 2014..............Close at 1:00 p.m.
Thursday, January 1, 2015........................... New Year’s Day
STATEMENT OF FINANCIAL CONDITION
As of April 30, 2014
ASSETS:
Total Net Loans & VISAs
Net Investments
Fixed Assets
Land and Building
Other Assets
TOTAL ASSETS
Liabilities & Equity:
Liabilities (Payables)
Member Deposits:
Certificates of Deposit
Share Drafts (Checking)
IRAs
Christmas & Youth Clubs
Regular Shares
Equity
Regular Reserves
Undivided Earnings
TOTAL LIABILITIES & EQUITY
9,450,835.11
24,603,008.37
65,173.64
691,612.96
179,036.94
$34,989,667.02
46,672.62
2,818,431.46
4,305,482.13
1,289,666.66
385,259.07
22,496,152.01
374,201.12
3,273,801.95
$34,989,667.02
The Credit Union wishes
everyone a safe 4th of July
Don’t get
NOOKED
by a CROOK!
Don’t Let It Happen To You!
Stop Those Calls
The National Do Not Call Registry, ran by the federal
government, allows you to restrict telemarketing calls
permanently by registering your phone number(s). You
can register at https://www.donotcall.gov or by calling
1-888-382-1222. Most telemarketers should not call
your number once it has been on the registry for 31
days. Both your home and mobile phone numbers can
be registered for free. If you still receive calls, you can
file a complaint at https://www.donotcall.gov.
8.9% Annual Percentage Rate
No Annual Fees
Pick up a USAFCU VISA credit card application at your nearest
branch and start enjoying your lower rate today!
Credit cards available to qualified borrowers;
all loans subject to existing credit policies. Credit card rate quoted as Annual
Percentage Rate.
The fastest growing crime in America is identity theft,
and the best protection is prevention. Here are some tips
to safeguard your good name:
1. Protect your Social Security number. Do not carry
your card in your wallet.
2. Do not give out your personal information unless
you made the contact. Scam artists “phish” for
victims by pretending to be credit unions, banks,
stores, government agencies, etc. They do it by
phone, email, and snail mail.
3. Shred papers with personal information. Always
shred credit card offers that you don’t use. Also,
shred those “convenience checks” you don’t use.
4. Open your credit card bills and bank statements
right away. Check for unauthorized charges or
withdrawals and report them immediately.
5. Protect your computer from viruses and malware.
Use firewall, virus, and spyware protection software
- make sure it is updated regularly. Always use
“strong” passwords.
6. Always click with caution online. Only enter
personal information on secure Web pages with
“https” in the address bar and a padlock symbol at
the top or bottom of your browser window.
The Last Word
Bad habits are like a comfortable bed, easy to get into
but hard to get out of.