If You Have An
AnchorBank Consumer Checking Account www.rcu.org
www.rcu.org
Check Buy Back Offer Your RCU Consumer
Checking Account
RCU Check Buy Back Offer RCU will replace or buy back your unused AnchorBank checks from June 29 until
September 30, 2010. Bring your checks to any RCU office to take advantage of
RCU will replace or buy back our Check Buy Back Offer. See side box for more details.
your unused checks.
Check Card
Check Replacement If you currently have an AnchorBank debit card or ATM card associated with
RCU will replace each box or partial your checking account, we will automatically issue a new RCU Check Card. Beginning June 26, 2010
box of unused AnchorBank checks (Refer to Your RCU Check Card/ATM Card)
with an equal quantity of RCU Account Number
standard blue checks at no charge. Combined Statement Your checking account number will remain the same.
• Present your unused checks at Your monthly statement will include information on all RCU accounts in
which you are either a primary or secondary owner: checking, savings, Your RCU Checking Account
the time new checks are ordered Your AnchorBank checking account will automatically convert to an RCU
loans, etc. In addition to detailed account activity, your combined monthly
• New checks will be mailed from statement provides a convenient overview of the status and balance of all checking account. Refer to your AnchorBank checking statement to verify
Harland Clarke and arrive within your current account name and compare that to the following information
7-10 days
your RCU accounts.
to determine your RCU account. If a different RCU account better meets your
• Check styles other than RCU eStatements needs, it is easy to change. Just call or visit an RCU office beginning June 29.
standard blue are available for a You can choose to receive your combined statement electronically. If you
small charge are enrolled in AnchorBank Online Banking, you will be able to sign up ❑ AnchorBank Free Checking will become
for eStatements through RCU eBranch. If you are not currently enrolled in Things To Do RCU Checking Plus
OR AnchorBank Online Banking and want to receive eStatements, simply enroll in •No minimum balance
RCU eBranch and sign up for eStatements beginning June 28. (Refer to Your •No monthly charge
Check Buy Back June 8-11
RCU eBranch) •Free RCU Check Card
RCU will purchase your unused Watch for new RCU
AnchorBank checks for $0.10 each •Nationwide ATM access and lower ATM charges (Refer to Your RCU Check Card/ATM Card)
up to $25. Direct Deposit personalized checks mailed •Unlimited check writing through 12/31/2010; 15 free per month beginning 01/01/2011
Any Direct Deposit to your checking account (for example payroll, Social by Harland Clarke •Free RCU eBranch and eStatements
• Present your unused checks at Security, disability) will remain in place on your RCU checking account. You do •Free RCU ePay
any RCU office not need to do anything. June 25
• The Buy Back amount will be Last date to write an ❑ AnchorBank Direct Checking will become
immediately deposited in your Pre-Authorized Transactions AnchorBank check RCU Checking Plus
account • Any Direct Payment (for example transfer to another financial institution or •No minimum balance
payment to a business) set up to come directly from your checking account June 26 •No monthly charge
Offer is available June 29 (not through your debit card) will remain in place on your RCU checking Begin using RCU checks and
until September 30, 2010 at •Direct Deposit is optional
account and you do not need to do anything. deposit tickets •Your RCU Primary Savings Account is the only other account relationship you must maintain
any RCU office.
• Any Direct Payment set up through your debit card will need to be updated. June 29-September 30 •Free RCU Check Card
(Refer to Your RCU Check Card/ATM Card) •Nationwide ATM access and lower ATM charges (Refer to Your RCU Check Card/ATM Card)
Return unused AnchorBank
checks at any RCU office •Unlimited check writing through 12/31/2010; 15 free per month beginning 01/01/2011
Wire Transfers
Other Checks If you receive wire transfers you will need to provide the RCU name and (Refer to RCU Check Buy Back •Free RCU eBranch and eStatements
Routing Number, 291880411, to the party initiating the transfer. •Free RCU ePay
Offer on the back of this flyer)
Reference to “AnchorBank checks”
This also includes former checks Special Service Charges ❑ AnchorBank Admiral Checking™ will become
that you may still use with your Please review RCU Disclosures and Special Service Charges for checking RCU Minimum Balance Checking
current AnchorBank Checking, account terms, conditions, and charges that begin June 26, 2010. •Maintain $700 minimum balance and pay no monthly charge
Money Market, HSA, or Line of •$10 charge if balance falls below $700
Credit account. For example: •Your RCU Primary Savings Account is the only other account relationship you must maintain
• S&C Bank •Free RCU standard blue checks
• F&M Bank
•Free RCU Check Card
• Polk County Bank
•Free Money Orders and Travelers Checks through 12/31/2010
• Bank of Somerset
• Bank of New Richmond ACQUISITION IS PENDING •Earn dividends
FINAL REGULATORY APPROVAL •Nationwide ATM access and lower ATM charges (Refer to Your RCU Check Card/ATM Card)
•Unlimited check writing
Your savings federally insured to $250,000 •Free RCU eBranch and eStatements
National Credit Union
Administration, a U.S. • Free RCU ePay
Goverment Agency
More Information More Information
For more information visit www.rcu.org or call RCU Member Service at 715-833-8111 or 1-800-341-9911 For more information visit www.rcu.org or call RCU Member Service at 715-833-8111 or 1-800-341-9911
www.rcu.org
Your RCU Checking Account; continued ❑ Northwest Commodore Market Yield® Account will become
Overdraft Protection RCU Money Market Account
❑ AnchorBank Commodore Checking™ will become •Tiered balances of
RCU Relationship Checking
RCU protects you from the • $.01 - $9,999.99
•No minimum balance through 12/31/2010 • $10,000 - $24,999.99
inconvenience of an overdrawn
•No monthly charge through 12/31/2010 • $25,000 - $99,999.99
account and insufficient funds
•Your RCU Primary Savings Account is the only other account relationship you must maintain • $100,000 and over
charges. Some additional
charges may apply. •Free RCU standard blue checks •Earn dividends on the balance
•Free RCU Check Card •$10 monthly charge if balance falls below $10,000
Kwik Cash •Free Money Orders and Travelers Checks through 12/31/2010 •Minimum deposits of $100
• This line of credit agreement allows
•Earn dividends •Minimum withdrawals of $250
RCU to transfer funds to your
checking account up to a specific •Nationwide ATM access and lower ATM charges (Refer to Your RCU Check Card/ATM Card) •Free RCU standard blue checks
pre-approved amount •Unlimited check writing •Account transaction limitations apply (Refer to RCU Disclosures)
• To apply for RCU Kwik Cash, call •Free RCU eBranch and eStatements
❑ Former S&C Bank Intro-Rate M.Y. Account, S&C Totally E Checking, S&C Complete
or visit any RCU office beginning •Free RCU ePay Checking, and S&C Direct Checking will become
June 29, 2010 •$250 off closing costs on a new home loan RCU Checking Plus
• If you have an existing Ready •No minimum balance
Reserve line of credit, it will ❑ AnchorBank High Interest Checking will become •No monthly charge
transfer automatically. (Refer to RCU Relationship Checking
•Free RCU Check Card
RCU Consumer Loan) •No minimum balance through 12/31/2010
•Nationwide ATM access and lower ATM charges (Refer to Your RCU Check Card/ATM Card)
Transfer from Savings •No monthly charge through 12/31/2010
•Unlimited check writing through 12/31/2010; 15 free per month beginning 01/01/2011
• You can authorize an automatic •Your RCU Primary Savings Account is the only other account relationship you must maintain •Free RCU eBranch and eStatements
transfer from savings to checking •Free RCU standard blue checks • Free RCU ePay
to cover an overdraft •Free RCU Check Card
• If you authorized AnchorBank to •Free Money Orders and Travelers Checks through 12/31/2010 ❑ Former S&C Choice Checking will become
transfer from savings to checking •Earn dividends RCU Minimum Balance Checking
to cover an overdraft, we will •Maintain $700 minimum balance and pay no monthly charge
•Nationwide ATM access and lower ATM charges (Refer to Your RCU Check Card/ATM Card)
automatically convert that •$10 monthly charge if balance falls below $700
authorization •Unlimited check writing
•Free Money Orders and Travelers Checks through 12/31/2010
•Free RCU eBranch and eStatements
Courtesy Pay •Earn dividends
•Free RCU ePay
• If sufficient funds are not available •Free RCU Check Card
through Kwik Cash, Ready Reserve, •$250 off closing costs on a new home loan
•Nationwide ATM access and lower ATM charges (Refer to Your RCU Check Card/ATM Card)
or Transfer from Savings, RCU may • Unlimited check writing
clear the debit as a Courtesy Paid ❑ Northwest Market Yield® Account will become
RCU Money Market Account •Free RCU eBranch and eStatements
Item.
•Tiered balances of •Free RCU ePay
• $.01 - $9,999.99 New Checks Required
• $10,000 - $24,999.99 AnchorBank checks will become outdated on June 26, 2010 because RCU has
• $25,000 - $99,999.99 a different Routing Number: 291880411. You will automatically receive an
• $100,000 and over initial order of 50 personalized RCU standard blue checks at no charge. This
•Earn dividends on the balance free order of checks starts at Number 5001. If you prefer a different type, style
•$10 monthly charge if balance falls below $10,000 or number sequence, you can make that change when you reorder.
•Minimum deposits of $100 Check Reorders
•Minimum withdrawals of $250 Beginning June 29, you can reorder RCU checks online at www.rcu.org. When
•Free RCU standard blue checks you order online, you can also select a different style or change your number
•Account transaction limitations apply (Refer to RCU Disclosures) sequence.
More Information
For more information visit www.rcu.org or call RCU Member Service at 715-833-8111 or 1-800-341-9911