IMPORTANT INFORMATION ABOUT YOUR ACCOUNT
1) Stay Protected: Opt-in To Keep Your Overdraft Privileges
Federal lawmakers have created new rules governing overdraft protection programs, which go into effect on July 1, 2010 and August 15, 2010. As a result, you must now “opt-in” in order to keep your Qside FCU overdraft service privileges (“Courtesy Pay”), which cover your ATM and everyday debit card transactions. Click here for information on Qside's Courtesy Pay / overdraft protection service.
Why Opt-In?
If you do not opt-in, beginning August 15, 2010, your ATM and debit card transactions will be declined if you attempt to make a transaction without sufficient funds. If you do opt-in, you will continue to receive your overdraft services with no changes. You may opt-out at anytime at no cost.
For Existing Accounts: If you do not opt-in, your ATM and debit card transactions will no longer be protected under Qside Federal Credit Union’s overdraft protection beginning August 15, 2010. If you do opt-in, you will continue to receive your overdraft services with no changes.
For New Accounts: If you open a new account on or after July 1, 2010, your ATM and debit card transactions will not be protected under Qside Federal Credit Union’s overdraft protection unless you opt-in.
Opt-In!
To opt-in and keep your overdraft protection, simply complete this form and return to us via mail, fax or in person.
*Please note that this opt-in rule applies only to ATM and debit card transactions and does not pertain to overdraft protection services associated with written checks or recurring debit transactions, such as regularly scheduled bill payments.
2) Highlight of the Month, August 2010: Car Loans
Whether you're purchasing a new or used car, or are interested in refinancing a car loan from another institution for a new lower rate, Qside can help you finance a car today.
Features:
· Terms of up to 48 months and 60, 72 or 84 months
· Great low rates, as low as 3.5% APR*
· Receive a 0.50% APR discount** when you pay off your loan using Payroll Deduction, as well as more options for payment scheduling and the potential for additional savings
· Borrowing limits based on your individual creditworthiness
· Pre-Approval available – just begin the application process indicating the dollar amount you want to borrow
· Pre-pay your balance without penalty
· Click here to calculate your monthly car loan payment
*Based on individual creditworthiness
**the lowest APR Qside will grant is 3.5% APR including any payroll deduction discounts
3) New App Now Available
On the go? No problem. Download the new shared branch app to find the shared branch closest to you, wherever your are.
There are over 4,000 shared branches nationwide. Just bring your government-issued ID and Qside account number to bank at these locations just like you would here in Flushing.
4) Enterprise Car Sales Sells 1,000,000 Cars
If you think buying a car from Enterprise Car Sales isn’t worth your time, think again! Enterprise has been partnering with credit unions just like Qside FCU for the past thirty years to offer members the best used cars with the best deals around. Even credit union employees buy their used cars from Enterprise Car Sales. In fact, Enterprise Car Sales just sold its ONE MILLIONTH car last month – to a credit union employee!
Enterprise Car Sales offers no-haggle pricing so you can avoid unpleasant negotiations and sales games. You'll be pleased with their professional and friendly staff, and low-pressure sales approach. Every vehicle they sell comes with
The Perfect Used Car Package®, which includes a 7-day repurchase agreement, powertrain warranty, roadside assistance, vehicle certification, and much more.
Remember, come to Qside FCU for your car loan and Enterprise Car Sales for your car.
Stop writing checks and enjoy the convenience of going paperless with your Qside FCU Visa credit or debit card. Pay your bills, such as insurance and cable TV, for your chance to win.
When you pay a bill with your Qside FCU Visa credit card now through August 31, 2010, you'll be automatically entered for a chace to win a hot paperless device including an iPod touch, MacBook, and more! There will be many winners, and the more bills you pay with your Qside FCU Visa credit or debit card, the more automatic entries you'll receive.
Go to visa.com/paymybills today to find some participating billers in your area that accept Visa cards for payments. Then choose the payment option that's most convenient for you:
- Schedule easy automatic payments. Your biller automatically charges your account each month.
- Pay bills one at a time -- online or by phone. You control how much you pay and when.
Use your Qside FCU Visa credit or debit card and you could win! Visit visa.com/gopaperless for more program details and full rates.
6) Video Contest! Get Behind the Camera, Win Money For College
Qside Federal Credit Union is teaming up with the quirky superhero, The Carducator, and credit unions across the Northeast to offer Get Carducated, a video contest that gives young adults a chance to shared their ideas about responsible debit, credit & ATM card use.
Who Can Enter:
Get Carducated is open to anyone between the ages of 16 and 21 who: is currently attending college or will be attending college by October 2012; has access to a video camera; and has an opinion about using debit, credit or ATM cards responsibly.
Great Prizes!
1) Grand Prize: $5,000 college scholarship
2) Second Place: MacBook and a $500 textbook credit
3) Third Place: iPhone and a $250 textbook credit
Plus, the first 25 participants to submit an eligible video will automatically win a $25 iTunes gift card
Get Carducated ends October 31, 2010. Go to www.getcarducated.com today for complete rules and to enter.
7) Win A Trip To The Super Bowl FOR LIFE
When you use your Qside Visa credit or debit card between September 9 and December 31, 2010, you will be automatically entered for a chance to win a trip for two to the Super Bowl for life!
Most football fans go their entire lives without attending the Super Bowl. But you have a chance to go to every Super Bowl for the rest of your life. Each NFL season, the winner and their guest will experience the biggest event in football. You can live all the excitement of Super Bowl weekend and keep coming back for more.
8) Phone System Upgrade
To serve you better, we have upgraded our phone system to reduce call waiting periods. The upgrade has been implemented as part of our ongoing efforts to continue expanding our products and convenience services.
9) Vacation Loans Are Back
You know you want a vacation this summer. So make it happen with a Vacation Loan from Qside Federal Credit Union.
From May 17, 2010 through August 31, 2010, you can take advantage of this wonderful loan. With an up-front loan like this, you know exactly how much of a vacation you can afford and can start making your reservations right away. Don't delay, the longer you wait, the faster the hotel and airfare prices rise. Apply here online from May 17 - August 31.
Sign up for our Email Alerts from Tuesday, July 20th through Tuesday, August 3rd to win a set of 4 Mets tickets! You’ll have great seats with access to the Acela, Caesars and Promenade Clubs.
Just click here to provide your name and email address, then reply to the confirmation email that will be sent to your email address. We’ll enter you in our raffle and you could be the lucky winner!
Our Email Alerts will be sent to you just a few times per month. They include ways you can save money and win more free stuff, important information about our products and services, or tips on how you can manage your money better. You can opt out at any time… but why would you want to?
11) Summer 2010 Newsletter
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Labor Day |
Monday, September 6, 2010 |
CLOSED |
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Columbus Day |
Monday, October 11, 2010 |
CLOSED |
