Convenience Services
            Monetary Instruments
            Miscellaneous Services
Checking Account Services
Tax Documents
Protection Services

Monetary Instruments
How do I purchase Travelers Cheques?
How do I purchase VISA Gift Cards?
How do I purchase a Teller Check or Cashier’s Check?
How do I purchase a money order?

How do I purchase Travelers Cheques?
Travelers Cheques are available in the following denominations:

• $20
• $50
• $100
• $500
• $1,000

Travelers Cheques can be purchased with a charge of 1% of the face value.  Single signature cheques and dual signature cheques are available.
Visit one of our four full-service branches for details or to purchase Travelers Cheques.

How do I purchase VISA Gift Cards?
VISA Gift Cards are available for purchase for any amount between $25 and $1,000.  VISA Gift Cards are valid for up to three years, and make the perfect gift for birthdays, holidays, and other gift-giving occasions.  VISA Gift Cards are available at a low cost of only $3 per card at any of our four full-service branches.

How do I purchase a Teller Check or Cashier’s Check?
A teller check is corporate check drawn on the credit union’s account.  These checks can be purchased at any of the credit union’s four full-service branches.  Teller checks must be made payable to you, but can be made payable to you and another party.  There is a $1 fee for each teller check.
A cashier’s check is considered certified (or guaranteed) funds.  Cashier’s checks can be made payable to any party of your choosing.  There is a $3 fee for each cashier’s check.

How do I purchase a money order?
Money orders are available for any amount up to $1,000.  There is a $1 fee per money order.  Money orders can be purchased at any of our four full-service branches.

Miscellaneous Services
What other services does the credit union offer?

• Computerized new and used car data for comparison and negotiation. 
• Pre-approved loans enabling you to walk into a car dealership with cash in hand.
• Free notary public services.
• Auto license renewals (with renewal notice from Harris County only).
• Hunting and fishing licenses.
• Joint ownership accounts.
• Discount entertainment tickets to area events.

• Schlitterbahn (Galveston, Padre Island, & New Braunfels)
• Fiesta Texas (San Antonio)
• Sea World (San Antonio)
• Splashtown (Spring)

·         Safety deposit box rentals.

• 2 x 5 box - $20 per year
• 5 x 5 box  - $25 per year
• 2 x 10 box - $30 per year
• 6 x 10 box - $45 per year
• 9 x 10 box - $60 per year

Checking Account Services
How do I order checks?
How can I get a copy of a cancelled check?
How do I change my ATM or debit card PIN?
How do I stop payment on a check?
What is overdraft protection, and how does it work?
What is Courtesy Pay?

How do I order checks?
You can reorder checks online, or by fax.  Please allow up to 14 business days for delivery by First Class U.S. Mail.
            Click here to reorder checks online for checks that are:

·         Printed with the same information as your last order,

·         The same style and quantity as your last order, and

·         Starting with the next sequential check number.

Click here to order checks that do not fit the above guidelines.

To reorder by fax, simply fax your check reorder form to us at (713)460-1654.

How can I get a copy of a cancelled check?
You can obtain copies of cancelled checks via CU Online by clicking on the check number on the Account History screen.  Before this feature is available, you will need to be sure to set up the “MICR account number.”  This information can be obtained from the bottom line of numbers from your checks.
If the check image that you are looking for is not available via CU Online, you can call our office to request the copy.  Please be aware that there may be a fee for obtaining copies depending on the level of complication in retrieving the images.  You will be notified before you are charged.

 How do I change my ATM or debit card PIN?
You can change the Personal Identification Number (PIN) on your ATM or VISA Debit Card by visiting any of our four full-service branches.  Click here for locations.

How do I stop payment on a check?
You can request a stop payment online or by fax.

• To request your stop payment online, simply click on the “Stop Drafts” link under the “Services” tab in CU Online.
• To request your stop payment by fax, simply download the Stop Payment Form, print and complete the form, then fax it to (713)460-1659.

The check number is required.

More information about stop payments

• The stop payment will remain in effect for six months.
• There is a fee associated with a stop payment order.  Please refer to the fee schedule for more details.
• Please call our office at (713)460-1661 or (800)998-0978 to cancel a stop payment order.

What is overdraft protection, and how does it work?
Overdraft protection services allow you to designate accounts to transfer funds from in the event of an overdraft in your checking account.  If funds in your checking account are insufficient to cover items presented for payment (i.e. checks, ATM or debit card transactions, or ACH withdrawals), funds are transferred from the designated account(s) with a $4.00 charge per transaction.  Overdraft transfers are permitted up to six times per calendar month*.
Overdraft protection is available from:

• A share (savings) account or a club account.  Overdraft protection transfers from these types of accounts in $50 increments.
• A line of credit loan account.  Overdraft protection transfers from this type of account in $100 increments.  Overdraft protection line of credit loans are granted based upon creditworthiness.  A separate loan application is required.

Click here to download the simple overdraft protection application.  You can fax the completed form to our Financial Services Department at 713-460-1654.

*Federal Reserve Regulation D limits withdrawal transactions made by check, telephone request, online request, preauthorized debit, or overdraft transfers on non-transaction accounts to six per calendar month.

What is Courtesy Pay?
Courtesy Pay is a service that adds a measure of protection to your personal checking account.  Courtesy Pay may, at the credit union’s sole discretion, cover your insufficient funds items, up to your approved limit, for one low fee per covered overdraft transaction.  That means, instead of returning an item to the merchant because of insufficient funds, the credit union may pay the item, saving you additional charges from the merchant collection companies, in addition to the credit union’s insufficient funds fee.  It saves you the embarrassment an inadvertent overdraft can cause.  It also helps protect your credit rating.

How does Courtesy Pay work?
Overdrafts on your checking account, up to a limit of $500 [including the amount of the overdrawn item(s) and the Courtesy Pay fee(s)] may be honored by the credit union.  A $25 fee will be assessed for each item that draws your account negative.  You then have up to 30 days to bring the account current, either through a direct deposit, transfer of funds, or a deposit at one of our branch offices.

What if I already have Overdraft Protection?
If you have established other overdraft protection methods, such as a line of credit or automatic transfer from your other accounts, we will always look to pay any overdraft by those other methods first before paying your overdraft utilizing Courtesy Pay and imposing a $25 fee for each overdraft we pay.

Do I have to apply for this service?
No.  We require no applications or additional signatures.  As long as you are a member in good standing which includes having an account with us for at least 60 days, you make regular deposits to that account, bring your account back to a positive balance regularly, and there are no legal orders against the account, your Courtesy Pay privilege remains activated.

How can I access Courtesy Pay?
Overdrafts may be paid utilizing your Courtesy Pay funds up to the limits mentioned above for the following types of transactions:

• Checks
• Electronic Transactions
• On-Line Banking
• Bill-Payer Service
• ATM withdrawals and POS transactions.  We strongly recommend that you first perform a balance inquiry before making an ATM withdrawal.  Should you request a withdrawal that draws your account into the negative, the ATM may honor that request by drawing on your Courtesy Pay limitand/or any other overdraft protection you may have with the credit union.  The ATM receipt will show the amount withdrawn.  It may not indicate your withdrawal has taken your account negative or accessed Courtesy Pay and/or other overdraft protection funds, or charged a fee.

Courtesy Pay is a way for us to provide a higher level of service to our members by helping protect your account and reputation when an inadvertent overdraft occurs.

What if I do not want access to Courtesy Pay?
You must make a written request to remove Courtesy Pay from your account.  You may download the Courtesy Pay Opt-Out Form, and fax it to our Financial Services Department at (713) 460-1654, or visit one of our four full service branches.
We are happy to review Courtesy Pay and its features with you, along with giving you other options to add convenience and ease to your account.  Please call us at (713) 460-1661 or (800) 998-0978.

Tax Documents
When will I receive my 1099-INT?
What types of accounts’ dividends are included in my 1099-INT?
What do I do if I misplace my 1099-INT?
Will I receive a 1099 for interest paid on my mortgage, home equity, or home improvement loan?
What do I do if I do not receive a 1099 on my mortgage, home equity, or home improvement loan?

When will I receive my 1099-INT?
In compliance with Internal Revenue Service Code, TexasOne Community Credit Union mails 1099-INT forms no later than January 31^st each year.
If you did not earn at least $10 in the tax year, you will not receive a 1099-INT form.

What types of accounts’ dividends are included in my 1099-INT?
Your 1099-INT form includes all dividends paid to non-tax-favored accounts, such as savings accounts, checking accounts, money market deposit accounts, and share certificate (CD) accounts.  Dividends paid to Individual Retirement Accounts (IRAs) or Education Savings Accounts (ESAs) are not included in the total on your 1099-INT form.

What do I do if I misplace my 1099-INT?
If your 1099-INT form is misplaced, you can call our office at (713)460-1661 or (800)998-0978 to obtain amounts or a replacement form.

Will I receive a 1099 for interest paid on my mortgage, home equity, or home improvement loan?
If you have paid more than $600 in interest on loans secured by a lien against your primary residence, you will receive a 1099 form.

What do I do if I do not receive a 1099 on my mortgage, home equity, or home improvement loan?
You can obtain your interest paid information by calling our office at (713)460-1661 or (800)998-0978.

Protection Services
Pinnacle Motor Club
GAP Protection
Extended Warranties

Pinnacle Motor Club
TexasOne Community Credit Union members are eligible to join Pinnacle Motor Club.  Pinnacle’s Elite Membership offers members safety, security and service on today’s increasingly busy and dangerous streets and highways anywhere in the world!  When an unexpected hazard or inconvenience occurs, members are entitled to receive:

• Up to $100 in road service and locksmith service for any vehicle (passenger vehicles, RVs, rental cars, motor homes, company vehicles, boat trailers, recreational trailers, motorcycles, and commercial vehicles) you are riding or driving in.  These services include:  battery boost, tire change, fuel delivery, parts delivery, towing or wrecker service, winching service, freeing locked keys, freeing “frozen” locks, replacing lost keys, replacing broken keys, and more>
• Up to $500 in travel assistance to reimburse you for vehicle rental and/or travel expenses when the vehicle you are riding or driving in is stolen or disabled due to an accident.
• Up to $500 bereavement travel assistance to reimburse you for commercial transportation to your residence and/or storage of your vehicle if a parent, spouse, or child dies when you are more than 100 miles from your residence.
• $5,000 stolen vehicle reward to deter theft and help you recover your vehicle.
• Up to $25,000 bond to release you for speeding or other moving violations or vehicular manslaughter or vehicle-related negligent homicide.
• Up to $200 in legal fees to defend you for speeding or other moving traffic law violations.
• Up to $2,000 in legal fees to defend you against vehicular manslaughter or vehicle-related negligent homicide charges.
• FREE custom trip routing that includes detailed trip planning, mileage guides, destination brochures, information on road conditions, camping locations, and more!
• FREE maps and atlases for your vehicles.
• Discounts on hotels, motels, car rentals, and more!

Pinnacle’s parent organization has:

·         50 years of experience – serving motorists since 1956

·         More than 3 million customers

·         Benefits and services that follow you worldwide

·         Financial strength – annual revenue in excess of $33 million

·         Largest independent motor club in America

·         24/7 member support

·         A vast network of over 40,000 qualified roadside assistance providers

 GAP Protection
Most insurance policies only cover the “actual cash value” of your vehicle.  This values declines rapidly, especially during the first few years of ownership, beginning as soon as you leave the dealership.  As a result, there can be a substantial shortfall or “gap” between your loan balance and the amount your insurance pays to replace your vehicle.  You could end up owing money on a vehicle you no longer have!
GAP Protection is a non-insurance product that covers the “gap” by paying the difference between your primary carrier’s insurance settlement and your loan balance.  The GAP payment covers the insurance deductible up to $1,000, but does not pay for delinquent payments, late charges, refundable service warranty contracts, and other insurance-related charges.
Consider the following example:

GAP Protection is underwritten by WNCFirst Insurance Services, Dallas, Texas.  The purchase of GAP Protection is voluntary and cannot be required as a condition of loan approval.

Extended Warranties
TexasOne Community Credit Union makes Mechanical Breakdown Insurance policies available to its members.  Policies are available in various levels of coverage and terms.  Mechanical Breakdown Insurance policies are issued by Mercury Select Management Company, Inc., a member of the Mercury Insurance Group.
Speak with a Financial Services Representative at (713) 460-1661 or (800) 998-0978 or visit one of our four full-service branches to get a no-obligation quote.
 

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