Direct Access Home Banking & Bill
Paying Service
We are pleased to offer our members a convenient way to pay bills, transfer funds, check balances through the Internet. With Direct Access, we’re open 24 hours a day, seven days a week - and all it takes is your computer and access to the internet. Check your account balances, transfer funds, make loan payments, or even pay your bills all from the comfort of your own home, office, or in fact, anywhere in the world, with complete ease and security. In addition, you can download your account information into Quicken or MS Money for complete personal financial control.
Terms/Conditions and Enrollment Application
MFN (Members Financial Network)
MFN is a suite of on-line financial tools designed especially for our members. It includes on-line securities trading (individual stocks or mutual funds), money management tools, financial calculators, access to insurance and other financial products, and more. MFN provides 24-hour access to solutions to everyday issues like saving money, managing debt, protecting assets, and planning for the future. Plus, it gives you access to an on-line financial library and securities research.
Payroll Deduction
Payroll deduction permits you to set aside a set amount of your paycheck each pay period to be automatically deposited into one or more of your credit union accounts or to make loan payments on your behalf. This amount may be raised or lowered at any time (minimum of $5.00). This convenient service is a great way for you to accumulate savings painlessly or pay down your loan without hassle or delay. Why wait? Sign up now. Payroll deduction form.
Direct Deposit
With direct deposit, they’ll be no more rushing around at lunch or after work, or standing on line waiting to deposit your paycheck. Instead, your net pay is directly deposited into the credit union account of your choice even before we open for business. Social Security, pension, or other retirement benefits are also eligible for direct deposit. The end of lost or stolen checks! Direct deposit is the easiest, safest, and most convenient way to get paid. Why wait? Sign up now.
MARS (Member Audio Response System)
This free service allows you to access your credit union accounts 24 hours a day, 7 days a week, using any touch-tone phone from the convenience of your home, office, car or while traveling. To access MARS, all you need is a touch-tone, your account
number, and your
Personal Identification Number (PIN). With MARS, you can:
-
Check your share and loan balances
-
Check on deposits and withdrawals
-
Inquire about cleared drafts
-
Make check withdrawals
-
Make loan payments
-
Transfer funds
And much more
To use MARS:
1. Call the MARS number 1-888-NBC-7960.
2. Enter your account number followed by the # key.
3. Enter your four digit PIN followed by the # key.
4. Enter a transaction code followed by the # key.
5. Enter an account suffix followed by the # key.
When using MARS, please remember:
-
Firmly press each digit on your phone keypad.
-
The # key must be pressed to conclude each entry.
-
The * key will pause MARS at any point.
-
Pressing *# will repeat the last message.
-
Pressing ** will erase the last instruction you entered.
-
You may key ahead at any time during the session. You do not need to wait for the voice prompt.
ATM Access
With a NBC (NY) EFCU ATM card, you can make deposits, cash withdrawals, transfer funds between your share and sharedraft account, and make balance inquires 24 hours a day at any one of over 150,00 ATMs worldwide wherever you see the NYCE, PLUS, HONOR or PULSE logos. By using the card’s point-of-sale (POS)* feature, you can make purchases without writing a check. In addition, you may be able to get cash back from your purchase, eliminating an extra trip to the ATM (and those bank-imposed surcharges). For POS convenience, look for your logos at:
|
|
 |
-
Grocery and drug store chains
-
Gas stations
-
And a growing list of merchants.
The daily limit on withdrawals (cash and POS combined) is $500. Daily limits are 24-hour periods beginning and ending at 3:30 pm (EST) each day. To sign up for an ATM card, simply contact the credit union for an application. See fee schedule.
* The POS feature requires having a NBC (NY) EFCU sharedraft account.
Money Orders
For those occasions when they will not accept a check and it’s too risky to send cash, we offer Traveler’s Express International Money Orders. They are available for up to $1,000 each. (Note: to obtain a status of a money order, simply call 1-800-542-3590, option 1, option 2.) See fee schedule
American Express Traveler & Gift Cheques
Created in 1891, American Express Travelers Cheques can be
used just like cash at millions of locations around the world. Merchants everywhere welcome and accept them. If lost or stolen, their Refund Hotline is available 24 hours-a-day, 7 days-a-week, toll-free at (800) 221-7282. (Outside the United States and Canada, call American Express
co
llect at (801) 964-6665.) Travelers Cheques are available in denominations of $20.00 (packs
of $200), $50.00 (packs of $150, $250, and $500), and $100.00 (packs of $300, $500, and $1,000). Don’t leave home without them.
By giving American Express Gift Cheques, you give everyone the freedom to choose the gift they’ve always wanted. The attractive Gift Cheque comes with a gold envelope and a gift card for your personal message. Gift Cheques are available in denominations of $25.00, $50.00, and $100.00.
See fee schedule.
Wire Transfer Service
The NBC (NY) EFCU has the ability to both receive and send wire transfers. While domestic wires are credited to your account on the same day (generally 2 to 4 hours from the time the wire is sent), international wires generally take 3 to 5 days (but as short as 2 or as long as 10 days) to be credited to your account.
Receiving Funds
The NBC (NY) EFCU does not charge a fee for receiving funds from another financial institution. In order for you to have money wired into your credit union account, please provide the sender the following wiring instructions:
Wire to: Empire Corp. FCU
ABA: 221381715
Further credit to: NBC (NY) EFCU
ABA: 226092009
Final credit to: Member’s name
Account number: Member’s account number
Sending Funds
The NBC (NY) EFCU can wire funds to institutions that are capable of receiving them. Request for outgoing wires must be received by
2:00pm (EST) for domestic wires and by 11:00 (EST) for international wires. We ask all members requesting outgoing wires to check with the receiving institution as to their specific wiring instruction. (This is for your protection so as not to incur delays or additional costs
such as returned wires and second wire attempts associated with the wired funds.)
See fee schedule.
Motor Vehicle
Certification Program (MVCP)
The best way to buy a new car. Call MVCP – they can help you get a great deal. Their advisors will direct you to an MVCP dealer where the price on most vehicles has been pre-negotiated for you. MVCP also offers the following information to help you make an informed buying decision:
-
Manufacturer’s invoice
-
Current rebates and incentives
-
Exact dealer profit disclosure
-
List of participating MVCP dealers
-
Your trade-in value
Call them at (800) 345-0990 or visit them at www.mvcp.com.
Low-cost Loan Disability & Life Insurance
Credit life and credit disability insurance gives you a convenient, affordable way to keep your loan repayment promises. Whether you’re taking out a new loan or covering an existing loan, credit life and credit disability insurance are easy to add. This low-cost coverage can reduce your financial burden, protect your income, collateral and credit rating, provide coverage at home and at work, and provide peace of mind.
To qualify for credit life, you may not be over age 70 at the time the loan was originated. To qualify for credit disability, you may not be over age 70 at the time the loan was originated, you must be working and regularly performing all the usual duties of a full-time, gainful occupation, and only one person may be insured on a given loan. For more information, please consult with our loan administrator.
 |
||
|
|
|