Credit or Debit

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					                                                                               Spring 2010

       In this issue:
       Financial Closet
     Time to Spring Clean!       Credit or Debit?
         Scholarships            Here’s the right answer ...
  College & seminary students

   Support your credit union

       And much more!

                                When using your Entrust Visa ChekCard (also known as a debit card), you may
                                have the option of choosing credit or debit – and both options will take money
                                straight from your Checking Account. And as it turns out, what many think
                                would be the most logical option – “debit” – is not always the best answer.
  Traveling? Contact
                                Choose credit! The credit option provides greater fraud protection. When you
     EFCU first.
                                choose credit with your Visa ChekCard, you are protected by Visa’s 0% liability
                                should any fraud occur on your account.
When you are traveling
outside your local area,        When to choose debit? When you want cash – choose debit. If you need cash
particularly overseas, it       back at the check out or if you’re at an ATM, you will have to use your PIN.
is important to contact         The debit option does make you liable for at least $50 should any fraudulant
Entrust FCU so your Visa        transaction occur on your account.
Credit Cards and Visa
ChekCards will not be
blocked. Our system is                           Bonnie Herdman Scholarship Program
set up to keep your debit       Entrust FCU offers two $1,000 scholarships - one for a graduating high
and credit cards safe and       school senior who is entering college, technical, or trade school, and one for a
secure from theft. Contact-     full-time seminary student. The application deadline is Friday, May 14.
ing us before you leave will    Visit our website to download the applications or contact us at 804-353-8012,
allow us to put a note on       800-944-3622, or [4655]
your account.
                                                                                                                                             Shop Entrust for
                                                                                                                                                                                         Trash your
                                                                                 clean out your
                                                                                                                                             your mortgage —
                                                                                                                                                                                         credit cards
                                                                                                                                             competitive rates and
                                                                                                                                                                                         with over-
                                                                                                                                             terms, same friendly

Transfer your credit card                                                                                                                                                                limit fees
balance to an Entrust Visa                                                                                                                                                               – Entrust has
Credit Card. We don’t                                                                                                                                                                    none.*
charge a balance transfer


                                                                        Out with the old and in with the new!
Keep going to credit union service centers. We
                                                                        Spring brings us a chance to clean out                                Keep On-line Bill Payment. There are no monthly
have more than 2,000 in 42 states, plus Puerto                          our closets to make room for the greater                              maintenance fees regardless of the amount and number
Rico, Japan, South Korea, Guam, and Italy.                              things in life. With new government                                   of transactions you do.*
                                                                        regulations changing the way financial
                                                                        institutions work, your financial closet
                                                                        could use some sweeping as well - and
                                                                        open drawers of possibilities. We are here
                                                                        to help you determine what to keep,
                                                                        what to trash, and what to add.

                                                                                     Welcome to Gary’s closet ...
Trash your
                                           Get your                                                                                                 Trash your non-Entrust debit card.
checking account
                                           Home Equity                                                                                              Entrust debit cards earn CU
and get a high-
                                           Loan through                                                                                             REWARDS points that you can
yield Bonus
                                           Entrust – we                                                                                             redeem for plane tickets, gift
Checking account
                                           may pay some                                items to   new items       items to                          cards, and more.
so you can earn
                                           or all of your                                keep                       trash
money on your
                                           closing costs.
                                                                                                       *Applies to consumer products

         Get a new budget. Check out                                                                   Trash your credit cards with higher
         The M Plan and contact us to                                                                  rates on cash advances. Entrust’s
         chat with one of our personal                                                                 credit cards’ cash advance rate is                      Try a new free ATM near
         money coaches. [11135]                                                                        the same as purchases.                                  you. Entrust has over 50,000
                                                       Keep the credit card that gives                                                                         surcharge-free ATMs in
                                                       double points. When you use your                                                                        all 50 states and 2,500
                                                       credit card for travel purchases                                                                        overseas through CU24
                                                       between April 15 - May 31, you earn                                                                     HERE and Allpoint. [2589]
                                                       2 points for $2.
   Support Your Credit Union!
Every year, Entrust Federal Credit Union asks its members to contribute
to the Virginia Credit Union Political Action Committee (VACUPAC).
VACUPAC is a not-for-profit, non-partisan, volunteer organization that raises                                                1801 Dabney Road
and disperses funds to political candidates in Virginia who are supportive of                                               Richmond, VA 23230
credit union issues. They ensure that we have a voice in the government.
Help protect the future of credit unions by making a contribution to
VACUPAC today! Please return the form below with your check or indicate
your withdrawal instructions. Thank you for your support!
                                                                                                                                 TOLL FREE
   Yes! I want to help preserve credit unions
   as an alternative to the banks.
   Complete and return to:
   Susan Adams, President, Entrust FCU, PO Box 6882, Richmond, VA 23230.
   Thank you for your support!                                                                                              GENERAL E-MAIL
         Deduct $_______ from my:             Savings Accounts           Checking Account
         Enclosed is my check for $_______ (payable to VACUPAC)
         Set up a periodic deduction of $_______ per month from my shares/checking (circle                                      U.S. WEBSITE
         one) account.                                                                                                
         Withdrawals will be made within 1st 10 days of each month until instructed by member to stop (in writing).

   Print Name: _____________________________                              Member Account No.: ____________               OVERSEAS WEBSITE
   Signature: _____________________________                               Date: _________________________       
     By signing above, you attest that your contribution is entirely voluntary. Contributions are not tax deductible.
                                                                                                                        LOBBY & PHONE HOURS
                                                                                                                            Monday - Friday
                                                                                                                            9:00am - 5:30pm
                                                                                                                        Closed Tuesday & Thursday
Reg E - Overdraft Privilege                                                                                                  1:30pm - 3:00pm
Effective August 15, 2010 – Regulation E will require us to obtain your approval
before we consider payment of your ATM withdrawals and everyday debit card                                               DRIVE-THRU HOURS
purchases that may create an overdraft in your checking account. We currently                                              Monday - Friday
provide this service to you as part of our Overdraft Privilege program. If you                                             8:00am - 5:30pm
wish to add these types of transactions back into your Overdraft Privilege
program, please contact Entrust by August 13, 2010 by phone or complete the
“Overdraft Privilege Opt-In” form, which is available on the Application and                                                   HOLIDAY
Forms section of our website and fax or mail it to us. [10020]
Reg D - Electronic Debits & Your Savings Account                                                                                 Good Friday
Regulation D limits the number of automatic or electronic debits that may come                                                  Friday, April 2
out of a savings account in the course of a month in order for the account to
be considered a savings account. That limit is 6 automatic or electronic debits,                                                Memorial Day
including ACH debits and overdraft transfers to your checking account. Once                                                     May, May 31
you reach the limit of 6 automatic or electronic transactions no further electronic
or automatic transactions will be allowed on the account during that month,                                                  Independence Day
resulting in any subsequent items being denied or returned and a return fee being                                             Monday, July 5
charged on to your account. Transactions made in person, at our office or the
shared branch, or over the phone with one of our representatives do not count
toward the 6 transaction limit.

                         Hidden Account Number Search
 If your account number is an exact match of the number hidden in [brackets] in                                         Your savings are federally insured by the
this newsletter, contact us before the next one comes out in July - you’ll win $10!                                     National Credit Union Administration.

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