Overdraft Coverage - Avoid Being Declined

A New Option: Debit Card Overdraft Coverage

Let’s face it—life happens. We’re all busy and the unexpected may make balancing your checking account a challenge. That’s why we offer overdraft coverage for checks and automated transactions, as well as scheduled (recurring) debit card payments that occasionally cause insufficient funds in checking accounts. However, currently we only approve everyday debit card transactions if the funds are available at the time of purchase.

Another option is now available

Whether you forgot to make a deposit or subtract a purchase, or you simply made a little miscalculation...overdrawing your account can be costly and embarrassing. And having your VISA® Debit Card declined at the check-out counter can be extremely inconvenient!

But you don’t have to worry about that with Courtesy Pay at your Credit Union. There is no charge to set up or maintain this protection. In fact, if you OPT IN for Courtesy Pay, we will allow transactions up to negative $10 before any overdraft fee is charged. In either event, your payment will be honored and you will avoid a fee or penalty from the merchant, as well. But you must OPT IN for this service.You can opt-in now for debit card overdraft coverage in the event you miscalculate your balance and still need to make an everyday debit card purchase.

 Easy to get started

• Log in to anytimeBanking and click the "Options" link and then" Courtesy Pay ATM/VISA Debit"
• Print and sign the OPT IN form

Is there a cost to sign up?
Signing up is free. You only incur the $28 fee if you make an everyday debit card purchase that takes your account negative and we pay it. If we deny the transaction, you will never be charged a fee. If you sign up now and change your mind later, you can cancel the service anytime. Remember, if you OPT IN for Courtesy Pay, we will allow transactions up to negative $10 before any overdraft fee is charged.

What happens if I don’t sign up?

If we do not hear from you, we will continue to decline everyday debit card purchases if you have insufficient funds and will not charge you an overdraft fee. Remember, if you OPT IN for Courtesy Pay, we will allow transactions up to negative $10 before any overdraft fee is charged.To learn more about overdraft services and other money management tools, please call us at (800) 894-1200 or stop by a branch office.
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We've Added More ATMs for Your Convenience!!

New ATMs and shared branches are being added across the country. Find one near you today!

Click Here

College Prep

As many of you are sending your kids off to college, there are that many more of you with small children still @ home. Want to know how much it will be to send your children to college? Use this simple calculator and start saving TODAY! College "move-in" day will be here before you know it!

College Calculator

$123... Get $123 and Your New-Car Dreams Off The Ground

With rates as low as 3.00% – on new or used autos, trucks and motorcycles, with terms up to 60 months, a $123 rebate,** and the option of pre-approval – you’re good to go!

Just how easy is it to get behind the wheel of a new or new-to-you car, truck, or motorcycle – and pocket an extra $123 while you’re at it? Three steps – count ‘em 123– is all it takes:
Apply online or by phone to get pre-approved so you know how much you can afford

1. Pick out your vehicle and bring us a purchase order from a dealer or private party.
2. Get a $123 REBATE when your loan is funded!

Not ready for a new car? No Worries!! You can get the same low rate and $123 rebate when you refinance your existing car that is currently with another lender and bring the financing to us*

So dream big. Or mid-sized. Or compact. And count on LA Financial to make it real.

APPLY NOW!

* APR= Annual Percentage Rate ** To qualify for 1-2-3 promotion, member must be pre-approved before visiting any dealership and loan must be funded directly with LA Financial Credit Union. Cannot be used to refinance existing LA Financial/HCCU loans. If loan is repaid prior to six months, the $123 rebate will be reversed. Limited time offer. Subject to change without notice.

**123 promotion is not available when you refinance a car already financed by LA Financial or Havasu Community Credit Union

 Based on 100% of purchase price plus tax and license on dealer purchase. Private party purchase requires DMV paperwork and 100% retail Kelley Blue Book price. Available on approved credit. Must qualify for loan under LA Financial CU guidelines, including age and value of auto. Annual Percentage Rate (APR) may vary according to length of term, age of vehicle and your credit worthiness. As low as 3.00% APRfor 60 months on new or used autos, light trucks, and motorcycles includes 0.25% reduction for automatic payment and 0.25% reduction for Direct Deposit/Payroll Deduction. Based on 100% of purchase price for new cars; 100% of Kelley Blue Book retail price for used cars. Private party purchase requires DMV paperwork and 100% of Kelley Blue Book price. Representative monthly payment for each $1,000 borrowed at 3.00% for 60 months = $17.97 APR. LA Financial Credit Union is an Equal Opportunity Lender.

Back to School Savings

LA Financial wants to help you demonstrate your higher intelligence this back to school season when you get exclusive credit union member discounts and cash back with over 1,200 of your favorite online retailers at Shop America. You can save on school supplies, clothes, shoes and computers - everything you need for back to school.
For a limited time, back to school shoppers at Shop America can double their cash back at these online stores*:

• Dell
• Barnes and Noble
• Wal-Mart
• Target
• Office Depot
• Footlocker.com
• HP Home Store
• Kohl’s
• JCPenney

Keep on saving when you shop using LA Financial's credit or debit card – thanks to our great rates and low fees. Simply access Shop America through the Love My Credit Union website, log in or create your account and start shopping.

See? You’re smarter already!

Get the details at LoveMyCreditUnion.org or speak to a LA Financial Credit Union member representative.

*Purchases must be made on-line and accessed through Shop America.

Wells Fargo to charge $3/month for debit cards.

In yesterday’s news, Wells Fargo has announced plans to test a $3 monthly fee for customers using debit cards. This is the latest initiative to come from the banking industry as a means to recoup losses from shrinking deposit fees. Whether it will prove acceptable to customers is another matter.

According to a report in yesterday’s San Francisco Chronicle, Wells Fargo will starting testing the monthly $3 debit card fee this fall. The fee will be applied to debit cards tied to all checking accounts opened in test states starting in October. This new fee would be in addition to the monthly service fees Wells Fargo already imposes on its checking accounts. Wells Fargo also announced that it is doing away with its debit rewards program.
Wells Fargo is the latest bank to jump on this larger trend of scaling back customer perks and imposing new revenue-generating fees. Some analysts say that this latest announcement is partly in response to the new limit on how much banks can collect from merchants for debit card fees.

LA Financial will not charge for debit cards.  We will also continue to offer FREE checking and FREE billpay.

Get onLine...Not inLine!!

Get onLine...Not inLine!! We now offer monthly Get "onLine" Not "inLine" one-on-one training… we’ll offer solutions and information about anytimeBanking, BillPay, online transfers and alerts. No appointment necessary. Bring in your bills and we will help you to set them up for our free BillPay service. A representative will be in the following branches from 9 am - 4 pm on the following dates... 

• Pasadena Branch - 1st Wednesday of each month
• LA Branch - 2nd Wednesday of each month
• Norwalk Branch - 3rd Wednesday of each month 

Please stop in for one-on-one assistance with anytimeBanking or BillPay.  If you can't make it into the office, you can view the online demo by clicking here (please note that you can fast-forward directly to the billpay section).