— Member Appreciation Day is Saturday, December 14th
— Important Notice: New Procedures for International Wire Transfers
— Simplify your life with two new mobile banking features - DeposZip and e-Gift Cards
— Notice: Cold-Calling Scams
— RTN Wins First-Place Golden Mirror Award™ for New Logo and Tagline
— Fall Newsletter Contest Winners
— Even More Surcharge-Free ATMs via the Allpoint Network
— Access your RTN account at over 6,800 shared branch locations nationwide!
— Design Your Own VISA® Credit Card
— International wires require an IBAN (international bank account number)
Member Appreciation Day is Saturday, December 14, 2013 View Flyer
||Join us at our Member Appreciation Day on Saturday, December 14, at our branches in Amesbury, Brookline, Danvers, Dorchester Lower Mills, Marlborough, Tewksbury, and Waltham. The event features refreshments, giveaways, a raffle for two pairs of tickets to the Patriots v. Bills game on December 29, activities for kids, photos with seasonal winter scenes, and a visit from Santa at select locations. The event is free for members and non-members who come into the branches, and will take place during Saturday branch hours at each location. View our hours.
“This event is a great way for us to show our appreciation to our members throughout the family of RTN branches and to celebrate the joy of the holiday season,” says Millie Zayas, Vice President of Retail Branches.
Hope to see you all there.
Important Notice: New Procedures for International Wire Transfers
Effective October 28, 2013, the Consumer Financial Protection Bureau (CFPB) has issued new rules to protect consumers who send money electronically to foreign countries.
To ensure compliance with the CFPB guidelines, RTN has implemented new procedures for International Wire Transfers, also called “remittance transfers.”
New steps include:
• providing a disclosure to a member prior to the wire being sent, which includes details regarding the rate of conversion to the foreign currency;
• providing a disclosure/receipt after the wire has been sent, which gives the date when the money will arrive and how to report a problem with the transfer;
• a thirty-minute waiting period before the wire is sent in case the member wishes to cancel the transaction.
We appreciate your patience as we implement these new regulations.
Simplify Your Life with Two New Mobile Banking Features
for Your iPhone or Android Phone
Mobile banking is now even better with two free service enhancements – electronic gift card purchases and remote check deposits.
eGift cards – RTN mobile banking members can now instantly purchase electronic gift cards for themselves or others with delivery directed to a mobile phone or an e-mail address. Major retailers such as Sears, Lowe’s, JCPenny, Barnes & Noble, Kmart, Lands End, REI, Sports Authority, Overstock.com, Zappos, Zales, and many more are included. To purchase eGift cards, login to mobile banking, select the eWallet/Wallet tab for access to the gift card store. Learn more about our Mobile Banking Apps.
Mobile – Instantly and securely deposit checks by sending images made with the camera on your iPhone or Android phone. DeposZip is ready to process your deposit anytime, anywhere. What’s more, it’s offered fee-free to our valued mobile banking members. DeposZip mobile is accessible for members who are currently enrolled in DeposZip (for PCs). Members who wish to have the DeposZip service must meet eligibility requirements and enroll by going to RTN's online banking and clicking the self-service tab then on the DeposZip link. Once approved, you will have access to both DeposZip for PCs and on your mobile phone by installing our mobile app. Learn more and apply for DeposZip today.
Notice: Cold-Calling Scams
Beware of callers who represent themselves as legitimate tech company representatives from Microsoft or Windows support. They are trying to get your permission to remotely access your computer. Once these scammers gain access they can install malicious software, steal personal information, take control of the computer remotely or direct consumers to fraudulent websites where they are asked to enter their credit card information. Do not allow them access to your computer or provide them with any personal information.
RTN Wins First-Place Golden Mirror Award™ for New Logo and Tagline
RTN’s new logo and tagline has won a First-Place Golden Mirror Award™ from the Credit Union Executives Society (CUES®). The Credit Union’s new logo and tagline was created by McDougall & Duval, an advertising, marketing, social media and public relations firm located in Amesbury, as part of the overall rebranding project done on behalf of RTN Federal Credit Union. Credit unions from across the country submitted entries, which were judged on the basis of results, creativity, planning, and production quality.
“We’re very proud of the positive response to RTN’s new logo and tagline, which reflects our proud history and promising future,” says Richard Wright, RTN’s Treasurer and CEO. “Whether at work or at home, we are here to serve our members and support their financial needs throughout every stage of their lives.”
RTN Federal Credit Union retained McDougall & Duval last year to update the Credit Union’s identity and branding. The Credit Union Executives Society (CUES®) is an independent professional development association for credit union executives, which honors exceptional marketing campaigns in the credit union industry each year. Go to http://cuesgma.org/ to see RTN’s winning entry and all the winners.
Work.Home.Life. Newsletter Contest ~ Fall 2013
Congratulations to the following winners each of whom won a $25 share account credit.
(Last names withheld to respect privacy)
1. Kathy F.
2. Paula L.
3. Lee H.
4. Britney R.
The Fall issue of Work.Home.Life. instructed members to find a special phrase and then leave a voicemail message reciting the whole sentence in the newsletter containing this phrase. Four winners were chosen at random from the field of members correctly following these instructions. Watch for more newsletter contests in upcoming issues. Thank you for reading Work.Home.Life. where you’ll always find value and a bit of fun too.
Reminder: Federal Benefits Going Paperless
For those receiving federal benefit payments such as Social Security, Supplemental Security Income (SSI), VA Pension, Railroad Retirement payments by check will be phased out beginning March 1, 2013. The U.S. Department of the Treasury is requiring all recipients of federal benefits to receive these payments electronically – either by Direct Deposit to your account or by utilizing a Direct Express Debit MasterCard. Avoid the rush and arrange for direct deposit without delay. For more information, call the Treasury’s GoDirect Helpline at 1-800-333-1795 Monday through Friday, 8 a.m. – 8 p.m. Free resources and information are also available at www.godirect.org.
Even more surcharge-fee ATMs for RTN members
With 50,000 locations across the United States, Canada, Mexico, the United Kingdom, Australia, and the Caribbean, Allpoint is the worlds largest surcharge-free ATM network. Allpoint ATMs can be found in convenient retail locations such as Target, CVS, Walgreens, and Dunkin Donuts, 7-Eleven, Sunoco and many more.
Find an Allpoint ATM near you or download their mobile app today.
Did you know you have access to your RTN account at over 6,800 shared branch locations nationwide?
RTN offers you access to your account via our partnership with CU Service Centers. The CU Service Centers shared branch network allows RTN members to conduct many account transactions with a teller at various credit union locations throughout the U.S. Traveling to Florida, off to an out of state college or relocating? No problem! Remaining an RTN member is easier than ever. Get more details on shared branching or find a CU Service Center shared branch location now.
IBANs Required for Many International Wires
The following countries require the use of an International Bank Account Number (IBAN) for wire transfers. These countries are:
If you expect to be wiring funds to any of the countries listed above, please note that a specific IBAN is now required to process the wire order. The IBAN is a combination of country, financial institution and account number information. The number of characters contained in an IBAN will vary by country.
We have been advised that wires without this important number will be returned. Returned wires may be subject to loss of funds due to exchange rate variations and fees charged by the receiving institution.
Please contact your foreign financial institution to be certain of the IBAN number of your (or your beneficiary’s) account there. Because of privacy regulations, RTN will not be able to get an IBAN for you. In this situation we must rely on our members to present complete and accurate IBAN information.
More information including an IBAN checker function can be found on the website of APACS, the UK association for overseas institutions delivering payment services to customers.
We hope these details prove helpful to any foreign wire transfers you may request from RTN in the future. If you have any questions about these new procedures, we will do our best to assist you.
The Credit Union thanks you for your cooperation in this important matter.