REALTORS® Federal Credit Union - Full Member Presentation

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REALTORS® Federal Credit Union - Full Member Presentation

  1. 1. REALTORS® Federal Credit Union
  2. 2. What is a Credit Union? <ul><li>Member-owned </li></ul><ul><li>Not for profit </li></ul><ul><li>Cooperative financial institutions </li></ul><ul><li>Truly democratic organizations – each member has one vote regardless of funds on deposit to be used at the annual meeting to elect volunteer directors </li></ul>
  3. 3. What is a Credit Union? <ul><li>Must have a defined field of membership </li></ul><ul><ul><li>Members and employees of NAR </li></ul></ul><ul><ul><li>State and local associations and their employees </li></ul></ul><ul><ul><li>MLS’s, but not their employees </li></ul></ul><ul><ul><li>REALTOR® owned businesses, but not their employees </li></ul></ul><ul><ul><li>Family members/ household members </li></ul></ul><ul><ul><ul><li>Grandparents, parents, spouse, brothers and sisters, children and grandchildren (includes step relationships for parents, siblings and children and adopted children) </li></ul></ul></ul>
  4. 4. What is a Credit Union? <ul><li>“ Once a member, always a member.” </li></ul><ul><li>Credit Unions offer very similar products to banks, but at better rates and terms and with different motivations </li></ul>
  5. 5. REALTORS®FCU - Products <ul><li>Share Accounts Available </li></ul><ul><ul><ul><li>Savings </li></ul></ul></ul><ul><ul><ul><li>Money Market Savings </li></ul></ul></ul><ul><ul><ul><li>Checking </li></ul></ul></ul><ul><ul><ul><li>Certificates </li></ul></ul></ul><ul><ul><ul><li>IRA Savings </li></ul></ul></ul><ul><ul><ul><ul><li>Traditional IRA </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Roth IRA </li></ul></ul></ul></ul><ul><ul><ul><ul><li>SEP IRA </li></ul></ul></ul></ul><ul><ul><ul><li>IRA Certificates </li></ul></ul></ul><ul><ul><ul><ul><li>Traditional IRA </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Roth IRA </li></ul></ul></ul></ul><ul><ul><ul><ul><li>SEP IRA </li></ul></ul></ul></ul>
  6. 6. REALTORS®FCU - Products <ul><li>Consumer Loans Available </li></ul><ul><ul><ul><li>New & Used Auto </li></ul></ul></ul><ul><ul><ul><li>New & Used Motorcycle </li></ul></ul></ul><ul><ul><ul><li>New & Used RV & Boat </li></ul></ul></ul><ul><ul><ul><li>Personal </li></ul></ul></ul><ul><ul><ul><li>Debt Consolidation </li></ul></ul></ul><ul><ul><ul><li>Line of Credit & “Professional Development” Line of Credit </li></ul></ul></ul><ul><ul><ul><li>Share Secured ( Closed End Loan ) </li></ul></ul></ul><ul><ul><ul><li>Share Secured Line of Credit </li></ul></ul></ul><ul><ul><ul><li>Home Equity </li></ul></ul></ul><ul><ul><ul><li>Mortgage </li></ul></ul></ul><ul><li>“ Horizon Loan” - Limited Time Offer! </li></ul>
  7. 7. REALTORS®FCU - Services <ul><li>ATM Access </li></ul><ul><li>Online Banking </li></ul><ul><li>Electronic Transfers </li></ul><ul><li>Remote Deposit </li></ul><ul><li>Bill Pay </li></ul>
  8. 8. REALTORS®FCU - Notices <ul><li>eStatements - View and print account statements </li></ul><ul><li>myAlerts – Arrange personalized alerts with notifications IE: account balances, loan rates, and more! </li></ul><ul><li>myNotices - Notifications from REALTORS® FCU </li></ul><ul><li>myNews - Product /promotional updates and news </li></ul>
  9. 9. Click “ Membership ” to get started!
  10. 10. Click “ Membership Application ”
  11. 11. Review Application Requirements Search NRDS ID Association & Board Staff Employees NRDS ID = 999999999 (Nine 9’s)
  12. 12. Enter Eligibility Information
  13. 13. Select Individual or Joint Account and complete Personal Information
  14. 14. Select Account Types to open…
  15. 15. Review New Account Agreement
  16. 16. Select Identity Verification answers…
  17. 17. REALTORS®FCU - Basics <ul><li>Becoming a Member of REALTORS®FCU </li></ul><ul><ul><ul><li>Eligibility </li></ul></ul></ul><ul><ul><ul><li>Membership Application </li></ul></ul></ul><ul><ul><ul><li>Select Accounts to Open </li></ul></ul></ul><ul><ul><ul><li>Fund Account </li></ul></ul></ul><ul><ul><ul><ul><li>NEW MEMBERSHIP </li></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Credit Card </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Debit Card </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>ACH/Check </li></ul></ul></ul></ul></ul>
  18. 18. Complete Account Funding
  19. 19. Congratulations! Your account is now open! Remember! Write down your new account number!
  20. 20. <ul><li>After writing down your Account Number, go back to REALTORSFCU.ORG to enroll in online banking: </li></ul>
  21. 22. REALTORS®FCU - Basics <ul><li>Accessing funds in your account </li></ul><ul><ul><ul><li>ATM Deposits & Withdrawals </li></ul></ul></ul><ul><ul><ul><li>Scan Checks For Deposit </li></ul></ul></ul><ul><ul><ul><li>Electronic Transfers To & From Other Banks/Credit Unions </li></ul></ul></ul><ul><ul><ul><li>Direct Deposit </li></ul></ul></ul><ul><ul><ul><li>Electronic Debits </li></ul></ul></ul><ul><ul><ul><li>Debit Card Purchases/Use PIN For “ Cash Back ” </li></ul></ul></ul><ul><ul><ul><li>Bill Pay </li></ul></ul></ul><ul><ul><ul><li>Write Checks </li></ul></ul></ul><ul><ul><ul><li>Mail Deposits </li></ul></ul></ul>
  22. 23. REALTORS®FCU - Basics <ul><li>Assistance with your account </li></ul><ul><ul><ul><li>Secure online messages </li></ul></ul></ul>Click “ Self Service ” & “ Send Us a Message ”
  23. 24. REALTORS®FCU - Basics <ul><li>Assistance with your account </li></ul><ul><ul><ul><li>Secure online messages </li></ul></ul></ul>
  24. 25. REALTORS®FCU - Basics
  25. 26. REALTORS®FCU - Basics Transaction information pre-fills … Select reason for inquiry…
  26. 27. REALTORS®FCU - Basics
  27. 28. REALTORS®FCU - Basics <ul><li>Assistance with your account </li></ul><ul><ul><ul><li>Member Care </li></ul></ul></ul>Call 866.295.6038 24 / 7!
  28. 29. REALTORS®FCU - Basics
  29. 30. REALTORS®FCU - Basics <ul><li>Becoming a Member of REALTORS®FCU </li></ul><ul><li>Using Your REALTORS®FCU Account </li></ul><ul><ul><ul><li>Accessing Funds (Deposits & Withdrawals) </li></ul></ul></ul><ul><ul><ul><li>Assistance with your account </li></ul></ul></ul><ul><ul><ul><li>Account Statements </li></ul></ul></ul><ul><ul><ul><li>eNotices </li></ul></ul></ul><ul><li>Applying for a Loan </li></ul><ul><li>Opening Additional Share Accounts </li></ul>
  30. 31. REALTORS®FCU - Basics <ul><li>Sent to your email address: </li></ul><ul><li>myAlerts </li></ul><ul><li>myNotices </li></ul><ul><li>myNews </li></ul>
  31. 32. REALTORS®FCU - Basics <ul><li>How To Apply For A Loan </li></ul><ul><ul><ul><li>Log into online banking </li></ul></ul></ul><ul><ul><ul><li>Instant response! </li></ul></ul></ul>
  32. 33. REALTORS®FCU - Basics
  33. 34. REALTORS®FCU - Basics <ul><li>Becoming a Member of REALTORS®FCU </li></ul><ul><li>Using Your REALTORS®FCU Account </li></ul><ul><ul><ul><li>Accessing Funds (Deposits & Withdrawals) </li></ul></ul></ul><ul><ul><ul><li>Assistance with your account </li></ul></ul></ul><ul><ul><ul><li>Account Statements </li></ul></ul></ul><ul><ul><ul><li>eNotices </li></ul></ul></ul><ul><li>Applying for a Loan </li></ul><ul><li>Opening Additional Deposit Accounts </li></ul>
  34. 35. REALTORS®FCU - Basics <ul><li>Opening Additional Share Accounts </li></ul><ul><ul><ul><li>Log in to online banking </li></ul></ul></ul>
  35. 36. Click “Accounts” to get started!
  36. 37. Select Account Types to open…
  37. 38. No - Credit Card No - Debit Card Yes - ACH/Check Yes - RFCU Transfer Existing Member Adding Additional Share Accounts :
  38. 39. REALTORS® FCU Share Account Transfer
  39. 40. Congratulations! Your new share account is now open!
  40. 41. Business Accounts <ul><li>Who Can Open A Business Account? </li></ul><ul><li>REALTOR® State & Local Associations </li></ul><ul><li>REALTOR® Boards </li></ul><ul><li>REALTOR® Institutes, Societies & Counsels </li></ul><ul><li>REALTOR® Owned Businesses, IE: Brokerages, MLS’s </li></ul>
  41. 42. Business Account - Products <ul><li>Business Savings </li></ul><ul><li>Business Money Market Savings </li></ul><ul><li>Business Certificates </li></ul><ul><li>Online Banking Inquiry & eStatement Access </li></ul><ul><li>Small Business Loans (up to $50,000) </li></ul><ul><li>Small Business Lines of Credit (up to $50,000) </li></ul><ul><li>Coming Soon! </li></ul><ul><li>Business Checking & Debit Cards </li></ul><ul><li>Commercial Loans (over $50,000) </li></ul>
  42. 43. Business Account – Open Account
  43. 44. Business Account – Open Account
  44. 45. Business Accounts Business Services 301.355.7575 Monday – Friday 8:30AM – 5:00PM (Eastern Time) [email_address]

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