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ATMs Access your accounts wherever you see the COOP, NYCE, PLUS or VISA® logos at every corner in your neighborhood or around the world. Use your VISA Debit Card to withdraw cash, make deposits at CAP COM ATMs, get cash, or make a purchase and even earn rewards. You’ll get 10 free withdrawals each month if you need to use your debit card at a non-CCFCU ATM (you’ll pay 50 cents per withdrawal thereafter). To find the ATM nearest you, visit www.capcomfcu.org and choose “Locations/ATMs” on our home page. Then, click on “Branch/ATM Locator.” Cash back Save a trip to the ATM when you use your Debit Card at participating merchants to make a purchase by choosing to receive cash back. To make a purchase with your card, all you need to do is: • Swipe your card and hit the ATM/Debit button • Enter your Personal Identification Number (PIN) • Or, choose “credit” and sign for your purchases Make deposits All branches, except our Colonie Branch on New Karner Road (Route 155), have 24-hour deposittaking ATMs. You can also mail your deposits to the Credit Union or use a night deposit box at any of our branches. Order deposit envelopes online or ask a Credit Union representative. You can also make deposits to your CAP COM Federal Credit Union account for free at Price Chopper supermarkets.

On the phone Contact Center Our Contact Center is a core convenience that has been available to our members since the beginning. Call us six days a week during regular business hours and one of our friendly, knowledgeable staff members will take care of your banking needs in one quick and efficient phone call. (We also accept calls from a relay service for our members who are hearing impaired.) Contact Center (518) 458-2195 Toll Free (800) 468-5500 Fax (518) 292-3142 Loan by phone Apply for a loan over the phone by calling the Credit Union during regular business hours. For many of our loans, you won’t even need to come in to close!

Convenient Services Phone Numbers & Website CCFCU Phone (518) 458-2195 CCFCU Toll Free (800) 468-5500 CCFCU Fax (518) 458-2261 Touch-24 (518) 458-8986 Touch-24 Toll Free (800) 634-2340 www.capcomfcu.org Main Office & Mailing Address 18 Computer Drive East • Albany, NY 12205

Touch-24 Bank by phone Our 24-hour, automated phone teller, Touch-24, is available 24 hours a day, seven days a week. Choose either voice-activated audio prompts or a touch-tone menu to perform account inquiries, transfers, check requests and take care of myriad other transactions over the phone, wherever you are. You can even access information about current rates and hours. For a list of menu options, visit our website, stop by any branch or call to request an information guide. Touch-24 (518) 458-8986 Touch-24 Toll Free (800) 634-2340 Direct deposit and payroll deduction Have your paycheck automatically deposited into your account each pay period, saving you a trip to the Credit Union.

Albany • Brunswick • Clifton Park Cohoes • Colonie • Glenmont • Latham Niskayuna • North Greenbush

Lost or stolen VISA® Call our VISA provider at (800) 449-7728 or (800) 221-7728 if hearing impaired. 10 01-002 REV 10/21/10 3,000

www.capcomfcu.org


At your convenience Your banking is something you can do at your convenience. Just about everything that you can do in one of our branches, can also be done from the convenience of your home or your car.

User options Change your settings and customize Connect-24 for your personal use. Set your password, account nicknames, select your opening page and choose your forgotten password settings.

Online Services www.capcomfcu.org

Mobile Banking Access your account using your hand-held wireless device. You’ll have real time access to your account history and transactions. Manage your money anytime, anywhere with our free downloadable iPhone App and access to our mobile web solution at www.capcomfcu.mobi.

Connect-24 View account balances, history, check copies and statements. Conduct transfers; make loan payments, transfers and add-ons; view Credit Union VISA® transactions; view or print canceled checks; export your account information to QuickenTM and Microsoft MoneyTM and more. Once an associate has completed the setup, visit the Connect-24 login found on the home page. Enter your Credit Union account number and the password that was given to you by the Credit Union associate who set up your account. Online Security To ensure the security of your online access, Connect-24 requires you to change your password every 90 days. As an additional line of defense, eSecure-24 is now available to protect you and your account by recognizing your computer and you as the user. If you’re using a computer other than the one you’ve designated as your own, you’ll have to answer the validation questions you set up within eSecure-24 to confirm your identity. Make sure your account information is secure by logging off when you are finished. Forgotten Password Feature Update your password without having to call for assistance. Click on the “forgot password” link located in the Connect-24 login box and answer your validation questions. You’ll be given the option to change your password so that you can proceed with your banking. Reminder: After three unsuccessful attempts to log onto Connect-24, you will be blocked from the system, and will have to use the Forgotten Password feature to reset your password.

*Data charges may apply. Check with your wireless carrier.

Bill Pay & Presentment Pay your bills securely within Connect-24. You control when your bills are paid and how much is sent out. Receive, view and manage your bills online with Bill Presentment. To sign up, click on “Payment Manager” within Connect-24. Then “View and pay bills.” Check images To view your check images online, log into Connect-24 and view your Checking Account history. Just click on the hyperlinked check number in your account history and the check image will appear on your screen. View and print unlimited check images at no charge. Checks, check registers, stamps and deposit envelopes We make it easy for you to get the tools you need. Order checks, check registers, stamps or deposit envelopes online whenever it’s convenient for you. eStatements & eNotices View your account and VISA® statements within Connect-24. Elect to receive notices for nonsufficient funds through ACH or ATMs, certificate renewals, late payment notices and courtesy pay notices online. FinanceWorks An online money management tool that categorizes and tracks your spending as well as creates and monitors budget goals for yourself. It can be set up to monitor spending on all your

accounts, even at other financial institutions. Log into Connect-24 and click on the “FinanceWorks” button to register. Funds Transfer* & Pay People* Transfer money instantly between your Credit Union account and a brokerage account, an investment account or even an account at another financial institution. Pay anyone with an e-mail address using our online service, POPmoney. *Must meet eligibility requirements. Some restrictions may apply.

iDeposit-24* Deposit checks to your Savings and Checking Accounts from anywhere you have Internet access and gain immediate access to the deposited funds. *Must meet eligibility requirements. Some restrictions may apply.

IRA Center Open, manage and monitor your IRA online in our IRA Center. Click on “Online Services” and “IRA Center” to get started. Notifications & Alerts Receive periodic reminders – sent to the e-mail address of your choice – or notify yourself of specific events, such as a check clearing or your balance reaching a certain amount. RSS Updates Stay up to date by adding our “Rates” and “News” pages to your RSS. Scheduled Transfers Transfer money between any Credit Union accounts to which you are linked. Set transfers to occur once, weekly, biweekly, monthly, twice monthly, quarterly, semiannually and annually. Stop payments To stop payment on a check, log into Connect-24 and click on “Stop Pay” in the top navigation on your screen. Then choose the account, check number and check amount to identify the check you wish to stop.

VISA® SERVICES VISA history and payments Track your CAP COM VISA Credit Card spending online in Connect-24 and make payments. Verified by VISA Protect your online VISA transactions by creating a unique password to confirm your identity. To register your card, click on the “Verified by VISA” logo. VISA Gift Cards VISA Gift Cards are also available in all branches. Online applications Apply for loans 24 hours a day, seven days a week and receive instant approval if credit qualified. You can also apply for membership or open new accounts online. Click on “Join Now!” or “Apply for a Loan” on our home page. You’ll find other applications under “Quick Links,” click on “Applications & Forms.” Web and e-mail updates Make sure we have your e-mail address on file so that you can begin receiving our electronic newsletters. Our website is continuously refreshed with updated information about our products and services. Protect yourself from fraud The Credit Union will never ask you to supply personal information via e-mail or direct you to do so in an e-mail. If you have questions or think you may be a victim of fraud, please don’t hesitate to contact us at (800) 468-5500 or phishing@capcomfcu.org.


ATMs Access your accounts wherever you see the COOP, NYCE, PLUS or VISA® logos at every corner in your neighborhood or around the world. Use your VISA Debit Card to withdraw cash, make deposits at CAP COM ATMs, get cash, or make a purchase and even earn rewards. You’ll get 10 free withdrawals each month if you need to use your debit card at a non-CCFCU ATM (you’ll pay 50 cents per withdrawal thereafter). To find the ATM nearest you, visit www.capcomfcu.org and choose “Locations/ATMs” on our home page. Then, click on “Branch/ATM Locator.” Cash back Save a trip to the ATM when you use your Debit Card at participating merchants to make a purchase by choosing to receive cash back. To make a purchase with your card, all you need to do is: • Swipe your card and hit the ATM/Debit button • Enter your Personal Identification Number (PIN) • Or, choose “credit” and sign for your purchases Make deposits All branches, except our Colonie Branch on New Karner Road (Route 155), have 24-hour deposittaking ATMs. You can also mail your deposits to the Credit Union or use a night deposit box at any of our branches. Order deposit envelopes online or ask a Credit Union representative. You can also make deposits to your CAP COM Federal Credit Union account for free at Price Chopper supermarkets.

On the phone Contact Center Our Contact Center is a core convenience that has been available to our members since the beginning. Call us six days a week during regular business hours and one of our friendly, knowledgeable staff members will take care of your banking needs in one quick and efficient phone call. (We also accept calls from a relay service for our members who are hearing impaired.) Contact Center (518) 458-2195 Toll Free (800) 468-5500 Fax (518) 292-3142 Loan by phone Apply for a loan over the phone by calling the Credit Union during regular business hours. For many of our loans, you won’t even need to come in to close!

Convenient Services Phone Numbers & Website CCFCU Phone (518) 458-2195 CCFCU Toll Free (800) 468-5500 CCFCU Fax (518) 458-2261 Touch-24 (518) 458-8986 Touch-24 Toll Free (800) 634-2340 www.capcomfcu.org Main Office & Mailing Address 18 Computer Drive East • Albany, NY 12205

Touch-24 Bank by phone Our 24-hour, automated phone teller, Touch-24, is available 24 hours a day, seven days a week. Choose either voice-activated audio prompts or a touch-tone menu to perform account inquiries, transfers, check requests and take care of myriad other transactions over the phone, wherever you are. You can even access information about current rates and hours. For a list of menu options, visit our website, stop by any branch or call to request an information guide. Touch-24 (518) 458-8986 Touch-24 Toll Free (800) 634-2340 Direct deposit and payroll deduction Have your paycheck automatically deposited into your account each pay period, saving you a trip to the Credit Union.

Albany • Brunswick • Clifton Park Cohoes • Colonie • Glenmont • Latham Niskayuna • North Greenbush

Lost or stolen VISA® Call our VISA provider at (800) 449-7728 or (800) 221-7728 if hearing impaired. 10 01-002 REV 10/21/10 3,000

www.capcomfcu.org


Convenient Services Brochure