ATM LOCATIONS –
There are over 70,000 ATM locations worldwide including a large number in Maine. Many of Maine’s credit unions have come together to form the CU24 SURF ATM alliance. With a network of more than 230 surcharge-free ATM locations throughout Maine, Members of participating credit unions can save an average of $300 a year in fees. In addition, a number of CU24 SURF ATM locations give hundreds of thousands of Maine credit union Members the ability to not only access cash but to also make deposits, surcharge-free. For the convenience of Trademark Members, we have added another 150+ surcharge-free ATMs at Hannaford stores in five states, click here for those store locations.
Overdrafts occur when you do not have enough money in your account to cover a transaction. However, there are a couple of ways Trademark can help you avoid the potential embarrassment and inconvenience of a returned item, as well as the direct and indirect fees associated with them.
What is TRADEMARK DEFENDER? – Have you ever made a miscalculation on your account balance and had a transaction rejected? If so, you were not only charged an insufficient funds (NSF) fee from your financial institution, but the merchant may have also charged you a fee. To make it worse, late fees could have been assessed if the rejected transaction was a payment on a credit obligation.
With Trademark Defender you can avoid the late fees, merchant NSF fees and the potential embarrassment or impact to your credit standing! Your account remains in good standing with your payees, and you have financial peace of mind for your transactions. The Trademark Defender service will honor transactions up to a certain limit, which is determined individually – part of your personal brand! We use a variety of factors, such as: account balance amounts, NSF history, age of account, etc. Each time you use Trademark Defender to complete a transaction, we will assess a $25.00 fee. There is no limit to the number of total fees that we can charge you for overdrawing your account – you control the level of activity.
Trademark Defender’s practices – We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.
You must authorize us to pay overdrafts for the following types of transactions:
- Checks and other transactions made using your checking account number.
- Automatic bill payments
- ATM transactions
- All debit card transactions
The Visa® symbol is recognized worldwide for convenience and availability. By utilizing your Visa Check (debit) Card, you can take advantage of this card wherever your journeys take you. Instead of paying monthly interest, all this convenience can be tied to your savings or checking account, depending on how you want your account set up.
With a CU24 Visa Check Card, you can pay for purchases directly from your checking account even where checks aren’t accepted. You can also obtain cash without any surcharge at many merchants by asking for cash back and using your PIN to complete your purchase. Wherever you see the Visa® and many other network symbols, simply present your card and the amount of your purchase will automatically be deducted from your account. Apply today!
CHANGE YOUR DEBIT CARD PIN:
PLEASE NOTE: Call must originate from a phone number that matches what we have for you on file.
Introducing Chip Card Technology
Trademark Federal Credit Union now has chip-based technology for its debit cards! As chip technology will soon become the security standard in the U.S., many merchants are beginning to accept chip cards and we want you to be ready. You’ll enjoy greater security when making purchases at a chip-enabled terminal since the chip provides better protection against counterfeit and fraud.
Easy to Use
Use your personal chip card to make transactions at the same places you do today. For merchants who have chip-enabled terminals, insert your card and approve your purchase. Otherwise, swipe your card as you normally would.
Added layer of security
The new chip on your card provides additional security when used at a chip-enabled terminal. Data stored on the chip is more difficult to counterfeit.
Chip-enabled terminals are coming to stores throughout the U.S. so you’ll be ready to use your card when you see the new terminals. You’ll enjoy greater acceptance when traveling as chip cards are common in over 130 countries around the world, including Canada, Mexico and the United Kingdom.
No extra cost
Making a purchase at a chip-enabled terminal:
Insert and leave your card in the chip-enabled terminal.
Approve the transaction as you normally would with either a signature or a PIN number
Remove your card once the transaction is complete.
VERIFIED BY VISA –
Your Visa card and Visa Check card can now be protected by Verified by Visa. The next time you shop at one of the participating online stores, enter the information requested to activate your card and complete the transaction. Your card will then have password protection whenever you shop online.
Looking for the perfect gift you know they’ll use? Try a VISA® Gift Card. VISA® Gift Card is a prepaid card that can be used anywhere VISA® is accepted. Give them the gift that ensures they’ll get exactly what they want this year!
VISA Gift Cards can be purchased in our lobbies. Come in and see us today!
TruStage™: INSURANCE THE CREDIT UNION WAY –
Insurance protection is part of a solid financial plan. From getting a good rate on coverage for your car to making sure your life insurance is adequate, dependable insurance coverage ensures financial relief when you need it. And along the way, you’ll take comfort in knowing you’re protected.
TruStage insurance products and programs help Members protect what matters most. Backed by nearly 80 years of working in partnership with credit unions and their Members, you’ll find products for life, car, AD&D, long-term care, home and more. TruStage offers straightforward information, real value and assurance. And it’s only for credit union Members like you.
To learn more, get quotes or just explore, visit www.trustage.com
© CUNA Mutual Group, 2012 All Rights Reserved
TruStage™ is a marketing brand used to identify products offered through CMFG Life Insurance Company and programs offered through CMFG Life insurance agencies to credit union members.
$4000 OF TruStage™ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE COVERAGE IS YOURS
One of the nice benefits of credit union Membership is a no-cost TruStage Accidental Death and Dismemberment (AD&D) insurance policy from CMFG Life Insurance Company. AD&D coverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life due to an accident.
You can get $4000 of coverage, paid for by your credit union, and provided by CMFG Life Insurance Company. You can also get up to an additional $300,000 AD&D coverage from CMFG Life at affordable rates.
Sign up for your no-cost or additional protection today.
TruStage™ AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.
TruStage™ AUTO INSURANCE PROGRAM
Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union Members, online services, and 24/7 claims service.
If you haven’t compared auto insurance lately, it’s a great time to take a look. Your credit union Membership could result in some nice savings.
Get your free quote today or call 1-855-483-2149.
TruStage™ Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.
TruStage™ AUTO & HOME INSURANCE PROGRAM
Exclusively for credit union Members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.
Get your free quote today or call 1-855-483-2149.
TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.
TruStage™ LIFE INSURANCE PLANS
Exclusively for credit union Members, we offer TruStage Life Insurance Policies to help you protect the people who matter most in your life. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget and provide excellent coverage.
Learn about this important coverage or call 1-855-612-7909 for more information.
TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.