Dear Gail Enda, Thank you to Natasha Ramsagar at your LGA branch for helping me set my children up on a hopefully financially sound future at the Credit Union. Her level of service is outstanding — taking the time and patiently communicating with me every step of the way with various documentation needed throughout the entire process. She is an asset to your team and the Credit Union. I cannot imagine banking anywhere else because of people like Natasha and the outstanding level of service the Credit Union provides.

Denise K.

Dear Gail Enda, I just wanted to let you know how much I appreciate all that Lizbeth Cardenas at your LAX branch did to help me get my wire transfers completed. I’m sure she didn’t even think about all that she did to help me, as it‘s routine for her, but for me, she was an angel and miracle worker rolled into one! When I called her, I could just “hear” the smile through the phone and she was so kind and caring!

I just wanted to let you know how much I appreciate Liz and your entire team. They are truly kind and professional people!

Trinda M.

We would love to hear what you think about ®, our team members and products. Send your comments or member testimonials for possible inclusion in future issues to centsmag@ AACreditUnion.org.

Link to your Credit Union savings account(s) to help cover items you’re paying from your checking account. If you don’t have enough money on deposit in checking, we’ll transfer funds from your selected savings accounts in increments of $100.00 or the available balance of your share account if your balance is less than $100. You will pay $5.00 per posting.

This comes standard with most of our checking accounts and provides overdraft coverage for bills and other payments made by Automated Clearing House (ACH) and checks. If you don’t have enough money in checking to cover a bill or check that has been presented for payment, Bounce Protection can cover those items — up to a total of $500. All you’ll pay is a $25 fee per item covered. Just remember to bring your account positive within 30 days.¹

You can opt in for overdraft coverage for debit card transactions. If you’re buying gas or groceries and don’t have enough money in checking, Bounce Protection Plus can cover those everyday transactions for you — up to a total of $500. You’ll pay 1 cent for each transaction covered when you meet certain same-day requirements before 8 p.m. CT, otherwise, $25. Just remember to bring your account positive within 30 days.¹

¹ Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdraft(s) on accounts opened for fewer than 90 days, if your account is not in good standing; which includes, but is not limited to, any negative balance or past-due loans of more than 30 days, if you are not making regular deposits, or if you have too many overdrafts. If we do not authorize and pay an overdraft, your transaction will be returned. Once an overdraft has occurred, you are obligated to bring your account to a positive balance within 30 days. Bounce Protection, Bounce Protection Plus and Overdraft Loan options are not available on Ascend checking accounts. See our Rate & Fee Schedule for more information. ² Loans are subject to credit approval and Credit Union lending guidelines. Member must be in good standing. See our Loan Rate Sheet for more information.

When you apply and are approved for an overdraft loan, you can have access to up to $2,000 to cover checking account transactions.² Since you only pay interest if the loan is used, you can save money on overdraft fees.