Angel Santos 
1-800-792-8861 ext. 109
asantos@njcul.org

www.iculsc.com

Card Services Programs

The ICUL Service Corp can work with your credit union to offer credit card programs to your members.

What are the advantages to offering a credit card program to your members and what is available?

The ICUL Service Corp offers programs that are designed to allow credit unions to take advantage of an effective credit card program. By participating in this program, you can compete in the credit card market by serving your members' needs on a higher level. Today, your members can choose from among many different types of credit cards. Why not have them choose yours! This way both you and your members win.

Advantages of offering a credit card program:

• Our program can save you time and money by eliminating repetitive loan applications and advances for small purchases.
• You will earn additional revenues that will improve your bottom line.
• You will increase service usage and satisfaction.
• You can use this program as a powerful tool for attracting upscale potential members into active usage of credit union services.
• You will give your members convenience, low interest rates, and a payment acceptance plan that can be used in over 18 million locations plus an ATM network with availability in 120 countries.

Other benefits:

• You will set and retain 100% of your interest income along with any, annual, over-limit, late, cash advance or NSF fee income.
• You will approve all credit applications.
• You will set each individual credit limit.
• You will receive daily settlements through your corporate.
• Your credit union name and logo will be on your plastic.
• Your credit union name will be on your cardholder statements.
• You will be given the option of adding valued enhancements to your program.
• You have the ability to upgrade your program to a premium program (Platinum Program), giving your members more enhancements, while providing direct competition with other institutions in the industry.

Debit Card Services

The ICUL Service Corp offers programs that are designed to allow credit unions the advantage of debit card access for their checking account program. By participating in this program, you can compete in the debit card market by serving your members' needs as completely as possible. Today, your members can choose from among many different financial institutions for their checking account needs, and statistics show they will not look to a provider without debit card access. Why not have them choose yours!

Advantages for your credit union:

• You will earn additional revenues that will improve your bottom line.
• You will increase service usage and satisfaction.
• You can use this program as a powerful tool for attracting upscale potential members into active usage of credit union services.
• You will give your members convenience at over 18 million locations plus ATM accessibility through the Visa networks available in the United States and over 120 countries.
• Faster than writing a check and safer than carrying cash.

Additional benefits:

• Provides a competitive advantage.
• Attracts new accounts and strengthens existing relationships.
• Four times faster than writing a check.
• Generates a new revenue stream for your credit union.
• You will receive daily settlements through your corporate.
• Your credit union name and logo will be on your plastic.
• Generates visibility in the marketplace for your credit union.
• Provides cross-selling opportunities.
 

Visa Gift Card

The ICUL Service Corp offers several programs that are designed to allow credit unions to compete with gift card and re-loadable "stored value" debit cards. Meet all of your gift-giving needs with a prepaid card. It's like a gift certificate that can be used virtually anywhere Visa Debit cards are accepted.

Gift card benefits:

• Accepted anywhere Visa Debit cards are welcomed.
• Safer than cash-if it is lost or stolen unused portion can be replaced.
• Can be used 24 hours after card has been sold and activated.

How the gift card works:

• For the purchaser: Buy a gift card at your credit union with cash, check or credit union credit card, just as you would at a store.
• For the recipient: Use it just like a Visa Debit card for purchases up to the gift card limit.

The Suze Orman Approved Card VS. CUMONEY Card

Find below two charts that compare financial planning expert Suze Orman’s prepaid card to that of CUMONEY and others in the industry. In both comparisons, of typical monthly usage expenses and various fees, CUMONEY’s card beat out the rest. Take a look!

Comparison of Monthly Usage Expenses

Comparison of Fees