SAFETY

Direct Deposit of your check eliminates the growing possibility

of theft from your mail box or the mysterious disappearance

before it even arrives at your mail box.

Your check will be automatically deposited to your account

through an electronic process. Insurance protection to $100,000

by NCUSIF is automatically in effect on your deposits here and

applies to both new and old accounts.

CONVENIENCE

Direct Deposit eliminates the need for a special trip to make a deposit...

no deposit slips to fill out... no long lines to wait in... no questions

about your identification ...no need to go out in inclement weather...save

time for other chores and errands...saves gas, bus fares,etc...

on vacation or out of town, no worry-it's all automatically taken

care of for you...Direct Deposit.

PRIVACY

Direct Deposit affords privacy because no one in your neighborhood

or apartment complex will even know that you receive checks

on a regular basis.

No one will be witnessing your monthly trips to make a deposit.

Others waiting in line will not be looking over your shoulder at your

transaction...because it's all automatic and private.

SENSIBLE

Direct Deposit is sensible because it allows you to begin earning

interest immediately if your check is deposited into an interest

bearing account. Without Direct Deposit, the amount of interest

you earn depends on the efficiency of the postal system and on how

quickly you are able to make your deposit.

WORRY FREE

No need to worry about losing your monthly check and

having to go through a complicated, time-consuming

procedure to get a replacement.

No need to worry about remembering to to make your deposit or

wondering when the check will arrive during holidays,

inclement weather, strikes or even during your

hospitalization, because it's all automatic.

PAYROLL DEDUCTION

Payroll deduction is also a good alternative.

Both services are free of charge.

You can authorize payroll deduction from your paycheck

for funds to be deposited to your account(s)

automatically increase your savings, make loan payments, etc.

Also, if you wish, a portion of your check can be deposited to another

family member's account(s).

Complicated? No! Simply stop at the main office or

the branch office whenever it's convenient and we will be

glad to answer any questions you may have about

Direct Deposit or Payroll Deductions. If you're already convinced

it's the right program for you, we'll have you sign an

authorization form and begin your Direct Deposit Program

or Payroll Deduction right then.