Welcome West 60th Avenue Arvada, CO

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1 Welcome 5080 West 60th Avenue Arvada, CO

2 THANK YOU! Welcome to EFCU, Colorado s Union Financial Institution. The entire staff of this credit union would like to sincerely thank you for choosing to open an account with us. We know there is no shortage of options when it comes to picking a financial institution. As a new member of this credit union you can be sure that we will do everything possible to make your experience with us the best we can make it for as long as you allow us to serve you. Our history and who we serve Electrical Federal Credit Union began in 1953 to serve the financial needs of IBEW Local 68. Since then we have worked to grow and enhance our organization, expanding our financial services to help additional Denver area labor organizations. Members of any Labor organization affiliated with either the Colorado AFL-CIO or the Denver Area Labor Federation are eligible to Join EFCU. Also, any relative of current EFCU members are eligible to join as well. Financial products and services Don t let our size fool you! Although we are considered small we offer much of the same services that the bigger financial institutions offer. Whether it is a basic savings account or a mortgage loan, we can help you either directly or indirectly through one of our trusted partners. Services offered directly: Share accounts (savings) Share draft accounts (checking) Direct deposit Christmas club Bill pay Fixed rate Visa Credit Card Online banking/home banking IRA s Money Market Certificates of Deposit Auto Loans Signature Loans And many more! Services offered through our trusted partners: Mortgage loans 1 st Mortgages Estate Planning Union Estate Planning Legal Service The Hughes Law Firm Auto Buying Automotive Avenues

3 Convenience In addition to the variety of financial products and services offered, EFCU also provides convenience through Shared Branching and CO-OP Financial Services. What does that mean to you? It means you have over 4,900 locations nationwide where you can make deposits, withdrawals and even loan payments. It also means you have access to over 28,000 Surcharge-free ATM s nationwide! To find a Shared Branching location near you visit the following link: If you re on the go and have a smart phone, you can scan the following QR code to download the free Shared Branching Locator application: For Android phones: For the iphone: Or look for the following swirl logo: To find one of over 28,000 Surcharge free ATM s near you, visit the following link: At the link above you can also download the mobile ATM locator application (currently only available through the iphone App Store). If the mobile application is not an option for you, text your current street address, city and state, or zip code to: Or call: SITE-CO-OP As a tip, many credit unions that are also Shared Branching centers have ATM s which are a part of the CO-OP Financial Services Network. Additionally, most 7- Eleven stores have ATM s that are included in the network as well. To be sure, look for the following logo: Home Banking, Online Bill Pay and Audio Response Directions Once you have registered, you can begin using additional convenience services which give you peace of mind and access to account information even when we are not around. Here are directions for setting up each service: Access 24 CU+ (Phone Banking) Setting up a 4 digit PIN: 1) Dial ) Press 1 for English (Press 2 for Spanish ) 3) Enter your Social Security Number 4) Enter your account number 5) Pick your 4-digit PIN number To be in compliance with federal regulations, the multi-factor authentication requirements have been enhanced. In addition to the PIN, it is also required to answer a set of questions in the following order: 1) Birth date 2) Street Address (numbers only) 3) First 3 digits of your social security number

4 Online Home Banking: To access Online Home Banking, please go to Upon first use, you will be asked for your user ID and password. Here is what you will enter for both: User ID: (your social security number) Password: PASSWORD (must be in all capital letters) After you have logged in with the instructed user ID and password you will be asked to change both. Online Bill Pay: Once your Home Banking account has been set up you can sign up for Online Bill Pay. To sign up, click the Bill Pay tab in your Online Banking account screen and follow the prompts. For additional assistance with getting Online Bill Pay set up, you will also find a couple of brief video demonstrations by clicking on the TRY DEMO button at the bottom right-hand side of the screen. Checks Need to order checks? You can view check styles, prices and re-order checks by going to: Visa Credit Card access If you decided to take advantage of our Visa credit card, which has a low, fixed rate of 11.9% APR (Annual Percentage Rate), you will want to have access to your account information. You can do so by clicking on the Enroll Now! button at the following link: User ID Requirements: Within 30 characters long Password Requirements (6-8 characters): Must include one upper case, one lower case, and at least one number. Additionally, for first time log in only, you will be asked to choose and answer three questions. These questions are used to add extra security to your account. These questions will sometimes be presented to you at random times when you are logging on. Please remember the answers and the exact way you answer them to prevent being locked out if you forget the answers later on. E-Statements Do you consider yourself Green? Or, do like to keep the amount of paper mail you get to a minimum? Sign up for E- Statements. It s an easy, secure and convenient way to receive your statements online, as well as contribute to a greener planet! Click the Services Tab in your Home Banking account to sign up. Debit card protection To keep your EFCU Debit Card from unauthorized use while shopping at thousands of participating online retailers go to:

5 5080 West 60th Avenue Arvada, CO