RTN Federal Credit Union

James A. Burley, Jr. Scholarship Contest
Deadline date: May 31, 2013

It is that time of year again for the 2013 James A. Burley, Jr. Scholarship contest. Each year this contest provides an opportunity to win an award of up to $5,000. The essay assignment this year will consist of an ethical dilemma requiring a personal response from each entrant with an essay of 150 to 250 words. Each participant will also have to meet the following eligibility requirements:

- Must be a member of RTN FCU (and/or their dependant) in good standing as of April 1, 2013 and be enrolled in a full-time college in the 2013/2014 academic year.
- Must submit a completed scholarship application along with an essay.
- Application and essay must be received only via U.S. Postal Mail on or before May 31 addressed to:
Scholarship Contest
Attn. Ms. Patrice Manley
RTN Federal Credit Union
600 Main St.
Waltham, MA 02452

Winners will be announced on June 18. So, download your scholarship application today!

During the sale dates get Blue Book® Trade-In Value on your vehicle PLUS $500* when you purchase from Enterprise. Start shopping by visiting one of the Enterprise Car Sales referral lots located in:

- Woburn, MA, 248 Mishawum Rd., (781) 932-1704
- Westwood, MA, 340 Providence Highway, (781) 326-4195

Or view the Enterprise vehicle inventory online now.

Don't forget to stop by the one-day car show and get a great low rate on your next vehicle. You can apply for your loan on the spot at the auto show or get pre-approved for your auto loan today.

FREE! First Time Home Buyers Workshop
Thursday, May 22nd 6:00 pm - 8:00 pm
at our Waltham branch on 600 Main Street

No better time than now to learn about what's happening in the local real estate market. After all, it is still a buyer's market and rates remain low. Take the mystery out of the process from mortgage pre-approval to closing; and optimize your purchase transaction from beginning to end.

Space is limited. Reserve your seat as soon as possible by calling our Mortgage Department at 1-800-338-0221, ext. 9859 or email your reservation now. (Please note: Do not include any account information in this email for it is a form of unsecured communication).

And while you’re there, be sure to ask how you can receive significant cash back on your home purchase with Home Cash Rewards, a valuable benefit under RTN’s Real Estate Services.

Work.Home.Life. Newsletter Contest
Congratulations to the following winners each of whom won a $25 share account credit.
(Last names withheld to respect privacy)
1. Armand B. of Pelham, NH
2. Patricia C. of Methuen, MA
3. John F. of Norwood, MA
4. Vivienne H. of Jamaica Plain, MA

The spring 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.

The following countries require the use of an International Bank Account Number (IBAN) for wire transfers. These countries are:

Andorra	Gibraltar	Netherlands
Austria	Greece	Norway
Belgium	Hungary	Poland
Cyprus	Iceland	Portugal
Czech Republic	Ireland	Slovak Republic
Denmark	Italy	Slovenia
Estonia	Latvia	Spain
Finland	Lithuania	Sweden
France	Luxembourg	Switzerland
Germany	Malta	United Kingdom

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.

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.