IN THIS ISSUE: Automated Teller Phone NOTES OF Banking to be Discontinued New Credit Card Options INTEREST RIP Coin Machine TheThe friendly friendly little little newsletter newsletter for for Educational Educational Community Community Alliance Alliance Credit Credit Union Union Members Members

OCTOBER 2019 AUTOMATED TELLER PHONE BANKING TO BE DISCONTINUED AVOIDING DORMANT FEES Our core processor has communicated to us that they are Setting aside money for a rainy day is important. Not only no longer supporting our telephone banking service and will your untouched savings be there when you need it most, have begun to experience extended downtimes to the it will also continue to grow by earning dividends. But, if you service. The automated teller phone banking will forget about your savings for too long, your account may discontinue effective January 1, 2020. As alternatives, we become dormant. A dormant account is one that has not had offer secure, 24/7 banking through our mobile and online any activity in over twelve months and begins incurring a banking services. Please visit www.educacu.com, to dormancy fee after that time. To avoid dormancy, we suggest download our Mobile Banking app for your smartphone automating your savings with or tablet or to access links to Online Banking. Not a regular transfer or comfortable using technology? We highly encourage you depositing/withdrawing a small to set-up a password with us so that our staff may amount every so often. Haven’t had securely answer account inquiries and complete any activity on your account in a transactions for you over the phone. We thank you for while? Act now, to ensure your your patience during this transition. account remains in active standing.

NEW CREDIT CARD OPTIONS

We’re excited to announce that choosing the right credit card is easier than ever! We now offer a variety of Visa® credit cards to meet our members’ needs through our partnership with Elan Financial Services. Enjoy increased purchasing power both here in Ohio and around the globe. No matter which card you choose, you’ll enjoy important features like:

• EMV smart chip technology for added security • Mobile purchasing capability for added convenience • Plus much more!

Visit our website or stop by to learn more and apply!

COMING SOON - MAKE YOUR LOAN PAYMENT WITH A DEBIT OR CREDIT CARD! When it comes to our products and services, we know our members are unique and there's no one-size-fits all. The same holds true with payment options. So we make it convenient for you whether you choose electronic or in-person payment methods. We’re excited to announce that coming soon we’ll be offering a new option to pay your Educational Community Alliance CU loans with a debit or credit card. Stay tuned for more details! International Credit Union Day TAKE A HOLIDAY FROM YOUR Thursday, October 17th LOAN PAYMENT Come celebrate us! Stop by to see our staff Let the holiday fun begin with our Holiday Skip-a-Pay*! member stationed in the lobby that day to help Skip your December 2019 payment(s) and free up funds get you signed up for online/mobile banking and for gifts, a winter get-away or whatever you could use the answer your questions! While you're there enjoy extra cash for, the choice is yours! Check your mail for the FREE shredding, apple cider and donuts. Hope form or contact the credit union. Be sure to apply by you’ll join us to celebrate YOU our members! November 15th. Remember – only six skips permitted during the life of the loan. RIP COIN MACHINE *See credit union for full details and disclosures.

Our coin machine has bit the dust - cause of death, a giant bolt. While we are mourning the death of our loyal coin counter and seeking a replacement, SAVINGS RATES we have two options for members seeking The Board of Directors has declared third quarter dividends on redemption of loose coins: the following types of accounts. Dividend Rates are per annum: Account Dividend Rate APY Min Balance • Stop by the branch for FREE paper rolls to roll your coins. Savings 0.25% 0.25% $5.00 Organizational 0.25% 0.25% None • Take your coins to any coin-counting machine, such as Ultimate Rewards Checking* 0.05% 0.05% None CoinStar, and we will reimburse you the fee* up to 5% from IRA 0.25% 0.25% None any machine that would charge. Just bring in the receipt Vacation Savings 0.25% 0.25% None Holiday Savings 0.25% 0.25% None showing the fee you paid within 30 days of the transaction. Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Fees could reduce the Thank you for your understanding. earnings on the account. The rate may change after the account is opened. * Earn up to 1.00%APY on your first $5,000 when you meet certain qualifications. Call us for the details. *Offer 1 reimbursement per member. Offer subject to change at any time.

GET REWARDED! We invite you to take advantage of our Ultimate Rewards Checking account. Managing your money is even more rewarding with these FREE features and benefits: To begin enjoying these benefits each month simply: • Earn higher dividend rates set-up and receive one direct deposit, authorize one • Earn unlimited ATM transactions automatic payment from your checking account, enroll • FREE Online Bill Pay in eStatements and make a minimum of (10) debit card • No minimum balance purchases. It's that simple. Don't qualify this month, • No monthly service fee or per check fee try again next month. • MasterCard Debit Card available

HOLIDAY CLOSINGS:

• MONDAY, OCTOBER 14 COLUMBUS DAY • MONDAY, NOVEMBER 11 VETERANS DAY • THURSDAY, NOVEMBER 28TH THANKSGIVING *OPEN REGULAR HOURS FRIDAY, 11/29! • TUESDAY, DECEMBER 24TH CHRISTMAS EVE, CLOSING AT NOON • WEDNESDAY, DECEMBER 25TH - CHRISTMAS DAY • TUESDAY, DECEMBER 31ST NEW YEAR’S EVE, CLOSING AT NOON • WEDNESDAY, JANUARY 1ST - NEW YEAR'S DAY EDUCACU.COM There’s a branch that’s always open! Easily manage your money day or night through online banking or our mobile app available for download in the App Store / Google 419-381-2323 Play. Just search for "ECACU Mobile Banking" to find the latest version.

Federally insured by NCUA