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ATM/Debit Card
This is the card to carry. it has all the great features of a credit card - flexibility, worldwide acceptance, and safety. Yet it acts as a check, with purchases deducted directly from your share draft account. Every transaction appears on your monthly share draft account statement with dates, amounts, and merchant names or locations.
You may also use your Card 24 hours a day at automated teller machines. Just insert your Card into the ATM, enter your PIN and follow the easy-to-understand instructions that appear on the screen.
This is the checking-withdrawing-transferring funds card all in one!
Stop by or call the Credit Union for an application or for more information.
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Share Draft Account
Check out our share draft account.
With a minimum daily balance of $500.00, direct deposit of Social Security retirement checks, or if you have an active Bay Shore Credit Union MasterCard, the $2.00 monthly service charge may be waived.
Up to 30 checks can clear the share draft account in a month. A $0.10 fee is charged for each check in excess of the 30 during the month.
Free Checks (Limited selection) are offered with direct deposit of Social Security retirement checks.
Free Audio Response SPEEDY LINE - 24-hour access to account balances with touch-tone phone.
Free WEB VISION (on-line member services) 24-hour access to your accounts. You can view your account balances and transaction information, transfer funds, make payments and apply for a loan through the internet. It makes it easy to manage your accounts anytime and anywhere.
Write checks with confidence with overdraft protection.
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KWIK-RESERVE OD PROTECTION (LINE OF CREDIT)
A revolving line of credit loan for overdraft protection.
Automatically advances funds if you over draw your checking account - $5.00 transfer fee
Contact a loan officer to apply.
Call the Credit Union for more information.
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TRAVELERS CHECKS
Travelers cheques make traveling safer and easier by not having to carry large amounts of cash. Bay Shore Credit Union offers MasterCard Travelers Cheques from American Express, which is the second largest issuer of Travelers cheques in the world. These travelers cheques work like any other. There is a fast, convenient, 24-hour, toll-free refund service and hand delivered refunds are available. They are welcomed and recognized at over 10 million retail locations worldwide. You can accept them with confidence.
MasterCard Travelers Cheques are available as follows:
One signature Travelers Cheques - No Fee
Two signature Travelers Cheques - $1.00 Fee per $100.00 in cheques
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Money Orders
If you need to send cash, money orders are a safe alternative. Mailing money orders rather than cash gives you peace of mind in knowing that if they are lost, stolen, or destroyed they can be traced and/or refunded. Bay Shore Credit Union offers Travelers Express Money Orders.
$1.00 Fee per Money Order
Maximum of $1000.00 per Money Order
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Savings Bonds
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Series EE Bonds - are purchased at one-half the face value
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Series I Bonds - are purchased at full face value
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For more information, contact Bay Shore Credit Union.
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Kids Club - Join today!
Kids make great members!
Saving is Fun!
Kids accounts Available:
Share/Savings Accounts
Custodial Accounts
Share Certificates ($100. minimum)
Club Accounts
Savings Bonds
Kids will receive:
Birthday Cards
Kids Newsletters
Stickers
Special Treats
Kids passbooks
Christmas Club
Our Christmas club starts on October 1st of each year and runs through September 30th. Daily dividends are paid on September 30th of the current year and funds are automatically transferred to share savings account unless members request other arrangements.
Call the Credit Union for additional information.
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The Bay Shore Credit Union Smart Option Student Loan
Private Student Loans ® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.
24/7 online account management
Competitive Interest Rates
Multiple in-school repayment options available
Borrower benefits available – like rewards and interest rate reductions
Borrow up to 100% of school certified education costs (minimum $1,000)
No prepayment penalty.
Now you can pay for college the smart way with great repayment options!
Together we can do this.
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FAFSA
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Apply on line at http://www.fafsa.ed.gov or pick up a Free Application for Federal Student Aid (FAFSA). The forms are available from high school guidance offices and college financial aid offices. You can even get a copy from the Department of Education's web site at http://www.ed.gov
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Complete and submit your FAFSA. In 4-6 weeks (less if your apply on line), you'll receive the results, called a Student Aid Report (SAR).
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Sign the SAR to confirm that the information is correct, and take or send it to your college's financial aid officer. Your school will determine what aid you qualify for and notify you in an award letter.
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Accept your financial aid package or speak to a financial aid officer about any special circumstances you might have.
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