Checking And Debit Cards

Locations Products And Services Main Office 711 Union Blvd. l Free Checking Account with Debit Card Totowa, New Jersey 07512 l Savings Account with ATM Card Newark-UMDNJ Branch l Holiday and Vacation Clubs/Loans 30 Bergen Street l Newark, New Jersey 07103 l Auto, Boat and Recreational Loans Newark-Broadway Branch l Mortgages, Home Equity (fixed/variable) 39 Broadway l Newark, New Jersey 07104 l Term Share Certificates – Money Market Paterson Branch l Personal, Debt Consolidation and Student Loans 126 Market Street l Paterson, New Jersey 07505 l Kids Kash Club (custodial accounts) South Bergen Branch

l l Direct Deposit and Payroll Deduction 61-63 Morris Avenue Garfield, New Jersey 07026 l Telephone Account Processing (TAP) St. James AME Church

l l Individual Retirement Accounts 588 Martin Luther King Blvd. Newark, New Jersey 07102 l Family Security Plan Insurance Products including Contact Us Whole Life Insurance/Disability Income Protection Click: www.njfcu.org and Critical Illness Insurance Call: 1.888.786.5328 l New England Financial Services Call Center Fax: 973-785-3264 Email: [email protected] l Shared Branching – Over 28,000 surcharge-free ATMs and access to over 6,500 new locations Savings And Convenience You Will Appreciate We are not a bank; we are a Credit Union, a not-for-profit, full-service financial institution, owned by all members. Community focused – it’s the best banking for you! You are eligible to join.

©2012 Membership Marketing Support Services Convenient Account Access TAP Telephone Account Processing (Audio Response System) Free Checking From any touch-tone phone, you can access your Direct Deposit accounts around the clock. Call TAP at 973-785-4161 A Free Checking Account from North Jersey Federal Have all or some of your paycheck, Social Security or 800-788-4474 to transfer funds between accounts, Credit Union has money-saving benefits not found check or pension check deposited automatically make withdrawals, check account balances, view your at other financial institutions. Use our Free Checking for free into your credit union account(s). Your checks loan status, and more. Account to manage your family’s finances. Our Free will never get lost or stolen in the mail since your Checking Account offers: funds are sent electronically to your designated Home Banking account(s). With direct deposit, your funds are l No minimum balance requirement With Home Banking, you can: available immediately. The credit union’s routing l No per check fees number is 2212-7502-5. l View real-time account balances, see check images l No monthly maintenance fee and account history Payroll Deduction l ATM access (STAR network) l Export history to financial software or spreadsheets Develop a regular savings pattern and/or make loan l No application fee l Transfer funds between accounts payments automatically with payroll deduction. A l No limit to number of checks written per month l Pay bills online portion of your pay is transferred directly to your account(s) every pay period automatically. l Duplicate checks l Request stop payments l And more l And more Open A Checking Account Today! Know that Home Banking is safe and secure. Just stop by any of our branches, give us a call Debit Cards or go to our web site at www.njfcu.org to fill out Use your North Jersey FCU Debit Card to pay for Shared Branching an application. purchases at the thousands of stores where Visa is With Shared Branching, you have access to your credit accepted. The purchase amount is deducted automati- union accounts at more than 6,500 locations around the cally from available funds in your Checking Account. world including the United States, Germany, Guam, Italy, You can also use the card to access your North Jersey Puerto Rico, and the United Kingdom. All you need is a FCU accounts at most ATMs where you can make valid photo ID and your account number. You also can withdrawals, check account balances, etc. withdraw money and check your account(s) balances surcharge-free at more than 28,000 ATMs. We are more convenient than you may think. To find a Shared Branch location or ATM, go to www.njfcu.org.