• Pay your bills electronically, all in one place
• Make payments anywhere, anytime, even when you’re traveling
• Schedule payments in advance and never worry about missing a bill or paying late fees
• Save money on stamps and envelopes and save time with no trips to the post office
• Guard against identity theft from lost or stolen checkbooks and bills by receiving and paying bills online instead of by unsecured mail

You MUST have a Checking Account with Telco before using Bill Pay.

To learn more about how to simplify life with Bill Pay, view the demo at Bill Pay Demo.

To get started, simply log into your online banking account at eBranch and select the “Bill Pay” tab to access the enrollment form.

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Debit Cards

• Make payments by phone
• Transaction can be processed as a Debit or Credit. (Encourage members to process as a credit – this allows Telco to earn more money. The member enjoys the benefits of the coverage of a credit purchase, even though the transaction will process out of their checking account)
• Make purchases anywhere the Mastercard logo is displayed
• Lost/Stolen Cards: Call 800-682-8688;  1-866-842-5208  after hours

ATM and Debit Card Policies and Procedures

• Telco allows 2 free ATM withdrawals per month. An ATM usage fee of $1.00 will be applied after 2 withdrawals
• Telco charges a $10.00 fee when opening a savings account for an ATM card
• Telco will block the member’s card if the account balance is in the negative
• If funds are not received within the stated time period, their ATM/Debit card will be captured
• The captured card will not be reissued until the member has maintained a positive balance in all accounts for a three month period
• Telco will charge members a $10.00 fee for replacement cards that were lost or damaged starting with the 3rd card replacements
• Six Electronic Transfers allowed each month
• After trying six times funds won’t transfer and won’t allow Overdraft Protection
• Keep your ATM and Debit Cards in a safe place
• Don’t keep near cell phones or other cards because they can become demagnetized
• Also keep your pin number in your cell phone so you won’t forget

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MEMBER’S CHOICE® Credit Life & Disability Insurance helps give you the security of knowing repayment won’t be left to loved ones should something happen to you. Credit Life and Credit Disability benefits:

• Immediate coverage for eligible members
• Choosing the insurance that helps to give you peace of mind
• Complements existing insurance

Ask your credit union Loan Officer for full benefits and details! If you prefer, please call 1-800-682-8688 or visit Telco Credit Union.

GAP Insurance

There could be a big difference between what your insurance will pay and what you owe on your loan.

Most cars depreciate by thousands of dollars as soon as they are purchased. Unfortunately, if your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared as a total loss, you are liable to pay the difference, or the “gap” between your insurer’s settlement and your loan balance. That gap will come out of your pocket for a vehicle that, for all practical purposes, no longer exists.

Guaranteed Asset Protection (GAP) could save you thousands of dollars.

GAP helps pays the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle.

GAP is fully refundable if you cancel the coverage within the first 90 days.

Make sure you fill in the GAP!

Protect vehicle investment against a possible financial loss. Contact your loan officer for more information about the benefits of GAP!

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