realtors® federal credit union - full member presentation
TRANSCRIPT
REALTORS® Federal Credit Union
What is a Credit Union?What is a Credit Union?
• Member-owned• Not for profit• Cooperative financial institutions• Truly democratic organizations – each
member has one vote regardless of funds on deposit to be used at the annual meeting to elect volunteer directors
What is a Credit Union?What is a Credit Union?• Must have a defined field of membership
– Members and employees of NAR– State and local associations and their employees– MLS’s, but not their employees– REALTOR® owned businesses, but not their employees– Family members/ household members
• Grandparents, parents, spouse, brothers and sisters, children and grandchildren (includes step relationships for parents, siblings and children and adopted children)
What is a Credit Union?What is a Credit Union?
• “Once a member, always a member.”• Credit Unions offer very similar products to
banks, but at better rates and terms and with different motivations
REALTORS®FCU - REALTORS®FCU - ProductsProducts• Share Accounts Available
• Savings• Money Market Savings• Checking• Certificates• IRA Savings
– Traditional IRA– Roth IRA– SEP IRA
• IRA Certificates– Traditional IRA– Roth IRA– SEP IRA
REALTORS®FCU - REALTORS®FCU - ProductsProducts• Consumer Loans Available
• New & Used Auto• New & Used Motorcycle• New & Used RV & Boat• Personal • Debt Consolidation• Line of Credit & “Professional Development” Line of Credit• Share Secured (Closed End Loan)• Share Secured Line of Credit• Home Equity• Mortgage
• “Horizon Loan” - Limited Time Offer!
REALTORS®FCU - REALTORS®FCU - ServicesServices• ATM Access• Online Banking• Electronic Transfers• Remote Deposit• Bill Pay
REALTORS®FCU - REALTORS®FCU - NoticesNotices• eStatements - View and print account statements
• myAlerts – Arrange personalized alerts with notifications IE: account balances, loan rates, and
more!
• myNotices - Notifications from REALTORS® FCU
• myNews - Product /promotional updates and news
Click
“Membership” to get started!
Click
“Membership
Application”
Review Application
Requirements
SearchNRDS ID
Association & Board Staff Employees
NRDS ID = 999999999
(Nine 9’s)
Enter Eligibility
Information
SelectIndividual or
Joint Account
andcomplete
Personal Information
SelectAccount Types
to open…
Review New Account Agreement
SelectIdentity
Verification answers…
REALTORS®FCU - BasicsREALTORS®FCU - Basics
• Becoming a Member of REALTORS®FCU1) Eligibility2) Membership Application 3) Select Accounts to Open4) Fund Account
NEW MEMBERSHIP1) Credit Card2) Debit Card3) ACH/Check
CompleteAccount Funding
Congratulations!Your account is
now open!
Remember!
Write down your new account number!
After writing down your Account Number, go back to REALTORSFCU.ORG to enroll in online banking:
REALTORS®FCU - BasicsREALTORS®FCU - Basics• Accessing funds in your account
• ATM Deposits & Withdrawals• Scan Checks For Deposit• Electronic Transfers To & From Other Banks/Credit Unions• Direct Deposit• Electronic Debits• Debit Card Purchases/Use PIN For “Cash Back ”• Bill Pay• Write Checks• Mail Deposits
REALTORS®FCU - BasicsREALTORS®FCU - Basics
• Assistance with your account• Secure online messages
Click
“Self Service” & “Send Us a Message”
REALTORS®FCU - BasicsREALTORS®FCU - Basics
• Assistance with your account• Secure online messages
REALTORS®FCU - BasicsREALTORS®FCU - Basics
REALTORS®FCU - BasicsREALTORS®FCU - Basics
Transaction information pre-fills …
Transaction information pre-fills …
Select reason
for inquiry…
Select reason
for inquiry…
REALTORS®FCU - BasicsREALTORS®FCU - Basics
REALTORS®FCU - BasicsREALTORS®FCU - Basics
• Assistance with your account• Member Care
Call
866.295.603824 / 7!
REALTORS®FCU - BasicsREALTORS®FCU - Basics
REALTORS®FCU - BasicsREALTORS®FCU - Basics
• Becoming a Member of REALTORS®FCU• Using Your REALTORS®FCU Account
• Accessing Funds (Deposits & Withdrawals)• Assistance with your account • Account Statements• eNotices
• Applying for a Loan• Opening Additional Share Accounts
REALTORS®FCU - BasicsREALTORS®FCU - Basics
Sent to your email address:• myAlerts• myNotices • myNews
REALTORS®FCU - BasicsREALTORS®FCU - Basics
• How To Apply For A Loan• Log into online banking• Instant response!
REALTORS®FCU - BasicsREALTORS®FCU - Basics
REALTORS®FCU - BasicsREALTORS®FCU - Basics
• Becoming a Member of REALTORS®FCU• Using Your REALTORS®FCU Account
• Accessing Funds (Deposits & Withdrawals)• Assistance with your account • Account Statements• eNotices
• Applying for a Loan• Opening Additional Deposit Accounts
REALTORS®FCU - BasicsREALTORS®FCU - Basics
• Opening Additional Share Accounts• Log in to online banking
Click “Accounts” to get started!
SelectAccount Types
to open…
No - Credit Card
No - Debit Card
Yes - ACH/Check
Yes - RFCU Transfer
Existing Member Adding Additional Share Accounts:
REALTORS® FCU Share Account Transfer
Congratulations!
Your new share account is now open!
Business AccountsBusiness Accounts
Who Can Open A Business Account?• REALTOR® State & Local Associations• REALTOR® Boards• REALTOR® Institutes, Societies & Counsels• REALTOR® Owned Businesses, IE: Brokerages, MLS’s
Business Account - ProductsBusiness Account - Products• Business Savings• Business Money Market Savings• Business Certificates• Online Banking Inquiry & eStatement Access• Small Business Loans (up to $50,000)• Small Business Lines of Credit (up to $50,000)
Coming Soon! Coming Soon! • Business Checking & Debit Cards• Commercial Loans (over $50,000)
Business Account – Open Business Account – Open AccountAccount
Business Account – Open Business Account – Open AccountAccount
Business AccountsBusiness Accounts
Business Services 301.355.7575 Monday – Friday 8:30AM – 5:00PM (Eastern Time)