Getting started with your checking account

Getting started with your checking account

Thank you for checking with UICCU Thank you for choosing University of Iowa Community Credit Union for your checking account needs. We would like to take a moment to remind you of some of the more prominent benefits and features that our accounts offer. It’s Free There are no minimum balance requirements or monthly service fees. There is no annual fee on the debit card. No fees are charged for online banking, bill payer, our mobile banking app, mobile remote deposit capture, telephone banking, or e-Statements. Manage your accounts from anywhere, anytime Online Banking is a complete money management system. You can customize your online experience, set up e-mail alerts when your balances are low, pay bills, store statements, and even view accounts that you have at other financial institutions. Download our mobile app to monitor your account and deposit checks while on the go. Free ATM Access Worldwide UICCU partners with the Allpoint Network to offer our members access to 55,000 ATMs worldwide. That gives you more options than the national banks! To find the closest free ATM, simply visit our website or download our mobile app. Moving your account has never been easier UICCU makes it easy to move your account. Once you open your checking, we will provide a special code for you to use at our secure ClickSwitch site. Enter your direct deposits and withdrawals and ClickSwitch will automatically send out notifications to these vendors to have them moved to your new UICCU account. We are here to help If you have questions about the account or need assistance setting up any services, please call or stop in any office location. You can also use the live chat feature on our homepage at www.uiccu.org. Thank you again for your membership. We are pleased to be serving you.

Getting started with Online Banking and e-Statements We covered a lot of information when opening the account, so let’s review some key points. Getting started with online banking • Go to www.uiccu.org and click New User Enrollment in the Online Banking Login box on the home page. • This opens the Online Banking new enrollment account verification screen. Enter all the required information and click Continue. • A new browser window will open congratulating you for having successfully enrolled in Online Banking. Make note of your temporary password, you will need it to log in to complete the enrollment process. Follow the Click Here link to continue with the log in process. • You will be directed to a page where you are to select the delivery method of your Secure Access Code (phone or text message). • When you receive your Secure Access Code, enter it in the access code screen and click Submit. The secure access code is valid for only 15 minutes. If it expires, you must request a new one. • Once your access code has been accepted, you will be asked if you would like to register your device. If you register your device, you will not have to generate a new secure access code when you use that device in the future. • Now you can change your password. Use your temporary password as your old password. For your protection, you will need to create a password that meets the stated security requirements. Click Submit. When the pop-up window appears, click OK to confirm. • A view-only online profile screen will appear for your review. It will be grayed-out and you cannot make any changes at this point. However, please note any contact information that you would like to change in the future. Once you have accessed Online Banking, you will be able to use the Update Personal Information screen to make corrections. Click Submit then OK to continue. • Review the welcome first time user screen, which presents the Online Banking Services Agreement. Read and acknowledge that you agree to the conditions by clicking, I Accept. • Congratulations! You are now logged in to Online Banking. Getting set up for e-Statements • Log on to online banking at www.uiccu.org. • Click the e-Statement tab. • Read the disclosure -- as well as providing terms, this will tell the ‘new’ enrollee what and what not to expect on day 1. • Click ‘I Agree’. • There will be no statement history until the end of the current statement cycle. • You will receive an email notification when your statement is ready to view. • As each monthly statement is generated, you will begin to build a rolling 15-month history of statements.

Your checking account comes with many FREE services, including: Online Banking Manage your entire financial life using ONE simple system. • View and manage your account balances • Access transaction history – up to 24 months • Transfer funds between accounts • Receive and pay all your bills securely and on time • View your accounts from more than 16,000 financial institutions and creditors worldwide • Create a monthly budget and track spending • Monitor account activity with email or text alerts • Download up to 15 months of e-statements Screen shot of Online Banking home page

Bill Payer With our free bill payer service, you’ll gain more control over your finances. You can pay anyone with a few clicks of your mouse. Plus, you can schedule payments in advance and even set up recurring payments so you never have to worry about missing a payment again! Eliminate the hassle of writing checks and avoid the costs of postage and checks so you save money with every payment you make.

Free Mobile App Our free Mobile App allows you to check balances, transfer funds, view transactions, pay bills, reorder checks, set a budget, find the closest free ATM and much more. Simply search for “UICCU” in Google play or the Apple App Store. MyFi360° Wouldn’t it be nice to have money management tools included with online banking? How about the ability to see accounts that you have at other financial institutions all in one place? MyFi360° has it all for you. Built-in charts will show how you are spending your money and if you are on track with your budgeting goals. This is a free service found within our secure online banking site. Free Mobile Remote Deposit Capture Mobile Remote Deposit Capture allows members to take a photo of a check and deposit it in their UICCU account remotely, thus saving a trip to the branch or the postage to mail it. Make deposits to your account from anywhere just by using a scanning device, tablet, iPhone®, or Android®. Mobile Remote Deposit Capture is a free service and uses the highest level of security available so you can utilize it worry-free! eAlerts Set up email, phone or text alerts when your account balances fall below a level you designate, credit card balances are on the rise or a CD is maturing. Click on “Alerts” under Settings in online banking. Overdraft Privilege Accidents happen. Rather than returning items unpaid that overdraw your account, UICCU will consider payment of overdrafts up to $1,500. While NSF fees still apply, you can avoid the costly charges from merchants for returned checks. It’s no surprise that most of our account holders opt-in to this service. ATM Access UICCU partners with the Allpoint Network to offer members free access to 55,000 ATMs worldwide. To find the closest ATM, simply visit our website or download our mobile app. If you are a Rewards Checking account holder you not only qualify for free ATMs nationwide, we will reimburse you for any ATM fees that other financial institutions charge (up to $120/year). Telephone Banking With a secure password, you can monitor your accounts and do transactions anytime from your phone.

Q&A: My new checking account Here are a few tips to get started with your new UICCU checking account.

Q: What are some best practices for managing a checking account? A: Stay connected with our free online and mobile banking services to monitor your account and set up email, phone, or text alerts to notify you when balances fall below your designated amount. Q: How can I use my savings account to help my checking? A: Keep extra funds in your savings account. If you overdraw your checking, your savings account can act as a safety net and automatically transfer funds to cover the needed amount. While you will pay a small transfer fee, it’s a fraction of the cost of an overdraft fee. Q: How do I avoid the $1 ATM usage fee with my debit card? A: You can avoid this fee by withdrawing money from UICCU or Allpoint ATMs and selecting “credit” when using your debit card at stores and gas stations. Q: What are the benefits of using bill payer online? A: Bill Payer is a free service that allows you to pay your bills through our secure online banking system. Rather than give other companies access to pull funds from your account (which at times is difficult to stop), you control how and when your bills get paid. You don’t pay the postage expense or use up your checks. Q: How do I avoid fees when using my debit card at stores or gas stations? A: Choose “credit” when using your debit card at the checkout line or gas pump. That way you do not have to use your Personal Identification Number (the four-digit “PIN”). You won’t be charged the $1 ATM fee, and the transaction posts just as it would if you had used the PIN. Rewards Checking members are reimbursed these fees up to $10/month. Q: What if I have a check to deposit and the UICCU is not open? A: UICCU now offers Mobile Remote Deposit Capture. Members can take a photo of a check and deposit it in their UICCU account remotely using our mobile app. Additionally, all UICCU offices have the latest Image ATM technology. You can deposit checks directly into your account and you will receive an image of the check on your receipt. We also have night drop boxes in the drive ups at all our offices. Drop them in the box and they will be processed the next business morning. Q: Why should I sign up for e-Statements? A: This free service is more secure than having a statement sitting in your mailbox, and you’ll receive it much faster than a paper statement. Over a year’s worth of statements and tax documents are stored automatically for you, in case you need to reconcile them at a later date. Q: Can I manage accounts that I have at OTHER places through online banking? A: Yes. If you can view your other accounts online, you can pull them all into UICCU’s system to view with a single sign on. Just click on MyFi360O within online banking to be guided through the simple process of adding accounts.

Privacy Policy

Contact Information UICCU offers 14 locations and access to thousands of surcharge-free ATMs nationwide. Here are some key numbers and addresses to find us:

Main Line: 319-339-1000 or 800-397-3790 Mailing Address: PO Box 800, North Liberty, IA 52317 Website: www.uiccu.org Live Chat: www.uiccu.org Routing Number: 273975098 Telephone Banking (24/7): 319-339-1040 or 800-822-8056 ATM Locations: To view a complete list of our ATMs, visit uiccu.org.

Cedar Falls Waterloo Hiawatha Marion Cedar Rapids Grinnell

North Liberty Coralville Iowa City

Davenport

New locations coming to Bettendorf and West Des Moines in 2016!

Winner

Winner

Winner

Corridor Business Journal Best Credit Union

Des Moines Register Top Workplace

Callahan & Associates #1 Nationally for Total Return to the membership

(319) 339-1000 • (800) 397-3790 www.uiccu.org

FEDERALLY INSURED BY NCUA.