MASTERCARD SCORECARD REWARDS
Earn bonus points for every qualifying purchase made using your Americo MasterCard Credit Card.
With ScoreCard Rewards, you can turn your purchases into merchandise and travel rewards. Anyone who already has a credit card with Americo has automatically been enrolled to start earning points for every purchase.
You can check your reward points balance, shop the merchandise and travel rewards online, and shop in the ScoreMall to earn extra reward points per dollar spent for specific merchants. It's easy to create an account and is completely free. Click here to create your account.
NOTICE OF FEE CHANGE
Please note the following changes to our rate and fee schedule. Effective March 1, 2015, the following changes will apply to your account(s) at Americo FCU:
|Share Draft, ACH, EFT, Debit/ATM, Bill Pay
|Recurring Debit Overdraft
|*Share draft account inactivity fee
||$5.00/month after 6 months of inactivity
|Other Service Fees
|Account activity printout
|*Non-member check cashing
|*IRA Account outgoing transfer
Note: *NEW FEE. This chart only lists new fees and changed fees. A complete listing of fees is available at the credit union and on our website at www.americofcu.com.
MASTERCARD RULE UPDATE
Effective October 17, 2014
Zero Liability for transactions conducted with MasterCard Branded Debit or Credit Cards
Have peace of mind knowing that your MasterCard will not hold you responsible for "unauthorized transactions." Zero liability applies to transactions made in the store, over the telephone or online. As a cardholder, you will not be held responsible for unauthorized transactions if:
- You have exercised reasonable care in safeguarding your card from loss or theft; and
- Upon becoming aware of such loss of theft, you have promptly reported the loss or theft to the credit union
Please safeguard your card and pin, but if you believe there has been unauthorized use on your account and you meet the two conditions above, you will enjoy the protection of MasterCard's zero liability promise.
If you have questions regarding Zero Liability Coverage or you suspect unauthorized use of your card, contact us immediately. To review the notice, please click here.
If you will be traveling and plan to use your Americo FCU Debit and/or Credit Card, we need to put an alert on your card(s). We do not want your card(s) to become blocked for suspicious activity while you are away from home, putting you in a difficult situation. Notifying us that you will be traveling will help us monitor your account against fraud.
Please inform us of your travel arrangements prior to your trip. That includes the dates of travel, what cities, states or countries you will be traveling through, and a phone number (e.g. cell phone number) where you can be reached while traveling, in case the fraud department needs to review transactions. We also need to be informed of international travel, since all cards are blocked internationally unless the travel form is filled out.
Travel forms are available at both credit union offices.
INTERNATIONAL WESTERN UNION
Effective January 1, 2013, we will no longer offer International Western Union service.
International Wire Transfer is an option we continue to offer and may be used to replace this service.
Domestic Western Union service will continue to be offered.
Mobile Money is a secure, convenient way to access your Americo Federal Credit Union accounts anytime, anywhere, using your mobile device.
With Mobile Money* services you can:
View account balances
View account transactions
Transfer funds between accounts
Pay bills** and more
To get started:
- Logon to your Online Banking account
- Click on the Self Service tab
- Click on the Mobile Money link
- Simply follow the easy instructions to register your mobile device and your Americo FCU account
If you have questions or need more information, please send an email through the contact section of the Home Banking program, or call Marcia at (814) 899-6608 ext 311.
*Must be a credit union member in good standing to use Mobile Money. Terms, conditions and eligibility applicable to Americo Federal Credit Union's Online Banking apply. Americo FCU does not charge for Mobile Money, however, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone service provider for details on specific fees and charges that may apply. **There is a $5.75 monthly fee for Bill Pay.
Now introducing the Sallie Mae® Smart Option Student Loan®
With college costs growing fast, it's time to borrow smarter. The Smart Option Student Loan® offers three repayment options and competitive interest rates to help you pay for college expenses not covered by scholarships and federal loans. For complete details and to apply online, please visit salliemae.com/smartoption/americofcu.
eStatement - Another great feature of our Online Services
Receive your Americo FCU statement electronically, with our secure eStatement service and enjoy these benefits:
Convenience: You won't have to wait for your statements to arrive by mail
Statement Archive: Your statements are archived for 6 months
Security: Your eStatement is protected by the latest security measures
Printable: Everything is printable, should you need a hard copy for your records
eStatement is FREE!
Once signed up, you will receive an email notification the first of the month when a new eStatement is available for viewing. To view your eStatement, simply log in to your Online Banking account and choose eStatement under the Self Service tab. Remember, once enrolled in eStatement, you will no longer receive a paper statement in the mail.
You must be an Online Banking user to sign up for eStatements.
Not an Online Banking user? Click here for a Online Banking application, or ask a Member Service Representative for information on how you can sign up today.
KEEP YOUR CONTACT INFORMATION UP TO DATE
Remember to notify us in writing if you change your address, phone number or e-mail address. Incorrect contact information can prevent you from receiving your statements, tax forms and important notices as well as making it difficult for us to contact you.