Last Update September, 2019 Table of Contents Banking Options with Benefits Pg. 3 - 6 Transportation Access Pg. 7 - 12 Continuing Education Resources Pg. 13 - 15 Reduced Cost Medical Care Pg. 16 - 19 Reduced Cost Dental Care Pg. 20 - 22 Reduced Cost Veterinary Care Pg. 23 - 25 Reduced Cost Elder / Family Care Pg. 26 - 27 Food Access Resources Pg. 28 - 29 Housing Instability Resources Pg. 30 - 32 Financial Assistance / Wellness Pg. 33 - 34 Mental Health Resources Pg. 35 - 37 Crisis / Suicide Prevention Resources Pg. 38 - 40 Substance Abuse Resources Pg. 41 - 43 All businesses/organizations listed are for reference; not an endorsement of CPRG Last Update September, 2019 Last Update September, 2019 Delta Community Credit Union A credit union based in metro-Atlanta, Delta Community Credit Union focuses on providing members with honest value and advice, in tandem with excellence of personalized service. The Credit Union reinvests in the metro Atlanta community, with a particular focus on education, physical well-being and the financial wellness of families and young people. Checking Account No monthly service or per-check fees. Monthly Built-in account protection to help avoid bounced checks & prevent declined purchases maintenance fees? APY dependent on account balance – 0% APY for accounts under $5,000 Savings Account Primary savings account requires a $5 deposit to open the account; no monthly fee Monthly Fees? Dividends are paid out monthly Competitive interest rates - .35% APY on account with no minimum balance Overdraft Fee No fee for overdraft transfer from Savings Account Checks $18 - $25 per box of 100 checks ATM Fees? No ATM Fees from Delta Community; large network of in-network ATMs at no surcharge Identity Protection A subsidiary of Delta Community is Members Insurance Advisors LLC, which offers members Identity Theft Coverage at two levels, Premier and Basic. Additional Fees $0 Lost Card replacement $35 Insufficient Funds Fee $3 fee for paper Statement copy Mobile Friendly? Mobile banking including balance information, inter-account fund transfers, mobile bill pay, and locate your nearest surcharge free ATM. Financial Wellness Tools ‘Balance’ program is designed to provide resources to help achieve financial goals. Program supports include online courses and free financial counseling. In-person seminars are also available on topics from car buying to understanding credit and debt management. Rewards • Each time you sign for your purchase using your VISA debit card, earn Rewards Points towards travel, cash back, gift cards & merchandise. (1 point for each $3 spent) • May choose to enroll in Courtesy Pay Plus Account Protection Service – ability to cover up to $500 should their ever be a shortage of funds in the account • Additional rewards available through Members Insurance Advisors include automotive insurance, homeowners and flood insurance, accidental death and dismemberment, life insurance and recuperative care. Last Update September, 2019 Georgia’s Own Credit Union This is a non-profit financial institution intended to provide members with affordable financial services. A large credit union with significant geographical presence in the State and a high growth ratio of net worth in recent years. Georgia’s Own provides many of the benefits of a larger bank at lower fee rates and with more diversity of financial wellness products and services available. The Alpharetta branch is located at 5825 Windward Parkway. Perks+ Checking All Access Checking .02% - .05% interest rate depending on account Checking .02% - .05% interest rate depending on balance Account Monthly account balance maintenance • No monthly maintenance fee fees? $5.95 monthly maintenance fee • Basic checking account • No direct deposit requirement Savings Account Dividends accrue at a rate of between .10% and 18% depending on account balance. Monthly Fees? $33 fee per overdraft transaction Overdraft / $5 debit card replacement fee Additional Fees $2 monthly fee for paper statements (no fee if opt for e-statements) Checks are ordered through checksbydeluxe.com; prices vary widely depending on design and Checks quantity. Generally $10 - $25 per box of checks. Over 85,000 in-network banks and ATMs - within and beyond Georgia. Utilize the locations page of the Georgia’sOwn website and find a surcharge free location near you. Otherwise, out of ATM Fees? network ATM transactions incur the following fees; Balance Inquiries - $1, Account Transfers $1, and Withdrawals $2 per transaction (plus fees charged by the other bank) Identify theft protect including payment Identity card resolution, and $2,500 in personal No Identity theft benefit Protection identity theft benefit and identity restoration. • Roadside Assistance 24/7. Up to $80 in service charges. • $10,000 accidental death coverage • Free balance alerts • Pharmacy, Vision & Hearing health Additional savings Benefits • Cell phone protection - up to $400 per • No additional benefits/perks – this is the claim (2x per year) if your cell phone is frill-free checking account option broken or stolen • Local retail deals and discounts Mobile Online banking, mobile banking, bill pay and e-statements. Friendly? Georgia’s Own Financial Education website. Free Online and Interactive videos to additional Financial education on money management, planning for the future, and taking control of loans and Wellness Tools your financial plans. Savings and Holiday Savings account available. Last Update September, 2019 Associated Credit Union One of Georgia’s oldest credit unions, ACU was founded in 1930 with intention of providing low cost options and financial services to members. Associated Credit Union is ranked among the top 150 credit unions in the United States. This Credit Union is located in Norcross, not Alpharetta, but with a wide network of shared branch locations and ATMS, is still a viable option. Checking Account Multiple accounts available; Monthly Associated Checking - $4.95 monthly service charge, balances under $2,500 earn .10% maintenance fees? APY, balances over $2,500 earn .15% APY with monthly dividends. Additional benefits* Simple Checking – No monthly service charge, $25 initial deposit. Balances under $2,500 do not earn interest. Balances above $2,500 earn at .1% APY with monthly dividends Lend-A-Hand Checking - $9.95 monthly service charge $25 initial deposit, requires direct deposit Savings Account Monthly Fees? Very competitive savings and IRA interest rates. SaveMore accounts earn 3.941% APY on balances up to $500 and .4% APY on balance above $500. Holiday Club accounts accrue at . 40% regardless of balance. Dividends post quarterly. Overdraft Fee For members with a Line of credit, Share Account, or Money Market account, funds are automatically transferred (presuming withdrawal limit has not been met already). A $4 service charge is assessed per transfer. If no such accounts exist for transfer, Associated Checking Member Overdraft Privilege provides members a $100 overdraft limit at that time the account is opened and increases to $750 over time. Simple checking Overdraft Privilege remains at $100. Checks Checks are ordered through deluxe.com. Check prices range widely depending on design and quantity. Generally $10 - $25 per box of checks. ATM Fees? No fee for ATM transactions at Associated Credit Union branches, ATMs and in-network shared branch locations. No information provided re: out of network ATM Fees. Identity Protection N/A Additional Fees $ .50 per transaction for ‘excessive’ online bill pays (after 30 items) $5 fee to replace VISA or Debit Card Mobile Friendly? Online Banking and Mobile app offering mobile payments, check deposits, fund transfers, bill pay, person-to-person transfers, and card alerts. (Apple and Android App) Online services include bill pay, check images, real-time loan advances, statements, balance transfers, and FICO scores. Financial Wellness Online and in-person financial planning, financial counseling, and in-house business Tools development and loan payment options. Rewards Community partnerships provide members with rewards of discounts with businesses like Sprint, Turbotax, and TruStage Insurance Agency. Last Update September, 2019 Last Update September, 2019 MARTA • Buses operate from 5:00am to 1:00am weekdays and 5:30am to 12:30am on weekends and holidays. Always double check the www.itsmarta.com website for definitive holiday operating hours and frequency as this can vary. • Cash fare for buses and trains is $2.50 - cash fares do not include route transfers • Breeze Cards are reloadable and offer a discounted fare - $2.00 per trip. Breeze cards are simply reloaded at Vending Machines or RideStores Transfers are free when loaded onto a Breeze Card after tapping to board a bus and/or exiting the train station. Up for four transfers can be made within three hours. Transfer from Buses to the metro-Atlanta trains are free when using a Breeze Card for the bus - not if fare is paid in cash. • Children can ride for free (max 2 children per paying adult) if they are under 46” (3.83 feet). Your car can be left at the train or bus stations for free (only if left less than 24 hours). • www.itsmarta.com has bus and train service alerts at the top of the page - offering a quick glimpse to any potential delays. You can also plan a trip - seeing the closest stops to your location of origin and destination, which buses run this route, how long of a wait for the next bus it will be, and how far from your destination the drop off bus stop is. • MARTA ‘On the Go’ app is available for Android and Apple. The app offers real-time next train and next bus tracking, schedules for all rail lines and bus routes with real-time updates, the full MARTA rail system map, a Nearby Stops feature to find the closest bus stop, access to your Breeze Card balance, and connectivity to Uber if needed to round out your trip. • Buses and trains have sufficient room or storage to bring your bicycle on transit with you. Ponce City Market - The closest rail station to Ponce City Market is the North Avenue Marta Station.