Welcome Legacy Louviers' Members!

Louviers Regular Savings Account

With a Louviers Regular Savings Account, the money you deposit will earn daily dividends that are compounded and paid out monthly. You can check your accounts by using any of the following:

• Your ATM or Visa Debit Card at ATM locations nationwide
• Teller Phone
• Online Banking
• By using our free mobile banking app

Preferred Savings Account
Do you want to earn higher dividends on your savings without the risk of stocks or equities? Open a Preferred Share Account with a minimum balance of $2,500.00 and earn higher dividends than our regular Savings Account. Dividends are paid monthly from the day of deposit to the day of withdrawal. Deposits may be made to the account at any time for any amount. The minimum withdrawal amount is $250.00.

Holiday Club Account
A Holiday Club Account will help you save for gifts and other holiday-related expenses throughout the year. When the holidays arrive, you’ll be able to shop with cash in your pocket.

Deposits can be made in person at any time or with direct deposit. There is no minimum balance for this account. Dividends are compounded and paid monthly. Funds are transferred from your Holiday Club Account into your Savings Account on October 1. Restrictions apply; ask your Member Services Representative.

Vacation Club Account
Open a Vacation Club Account and start saving for your next vacation today. Deposits can be made in person at any time or with direct deposit. There is no minimum balance for this account. Dividends are compounded and paid monthly.

Note: At this time, legacy Louviers members will only be able to apply for a Louviers’ product or service through the Louviers’ applications.

Louviers Direct Deposit
To set up direct deposit, you’ll need to provide the following information to your payroll department or Social Security Administration:

Louviers FCU ABA Routing & Transit Number — 231177100

• Member Name and Account Number

Payroll Deduction
Once you’ve signed up for direct deposit, you can tell us how you want your check distributed when it arrives. For example, you may request that we split the funds between your Checking, Savings, and Holiday Club accounts. Payroll deduction automates the process and makes getting your money where you want it to go easy!

Note: At this time, legacy Louviers members will only be able to apply for a Louviers’ product or service through the Louviers’ applications.

Traditional and Roth Individual Retirement Accounts
Louviers FCU offers both Traditional and Roth Individual Retirement Accounts (IRAs). You may choose to allocate funds within your IRA to an IRA Share Certificate, earning a specific rate for a specific term. IRA funds not invested in an IRA Share Certificate will remain in an IRA Accumulation Account, earning a variable rate. The minimum deposit to start an IRA is $500.00. IRA Accumulation Account dividends are compounded monthly.

To open an IRA, please visit one of the legacy Louviers branches. You may also initiate the process by calling any Louviers branch location or completing our online enrollment form.

Traditional IRA
A traditional IRA offers tax-deferred earnings and the possibility of tax-deductible contributions. These tax advantages make the traditional IRA a powerful tool for creating a balanced, long-term savings plan. You can contribute to a traditional IRA if you earn compensation and will not reach age 70½ by the end of the year. Earnings in a traditional IRA are not taxed until they are withdrawn. The ability to defer taxes on the earnings, and to withdraw in a year when you may be in a lower tax bracket, can mean more after-tax dollars for your retirement.

Roth IRA
A Roth IRA offers generous incentives to boost your retirement savings. Unlike traditional IRAs, contributions to a Roth IRA are never tax-deductible. However, the money in your Roth IRA, including earnings, can be withdrawn tax-free if you qualify for this advantage. You are eligible to contribute to a Roth IRA if you earn compensation and your income is less than the limit set by Congress. If your income is too high, you may be able to make a smaller contribution. Please check with your tax professional for current figures.

Note: At this time, legacy Louviers members will only be able to apply for a Louviers’ product or service through the Louviers’ applications.

Share Certificates and IRA Share Certificates
Louviers FCU offers regular Share Certificates as well as tax-beneficial IRA Share Certificates to be used in a Traditional IRA or Roth IRA. Both types of Share Certificates require a minimum deposit of $500.00. There are 12‚ 18‚ 24‚ 30, 48, and 60-month terms available for Louviers regular Share Certificates and 18‚ 24‚ 30, 48, and 60-month terms available for Louviers IRA Share Certificates. Dividends are compounded monthly on all Louviers Share Certificates.

Premature withdrawal of funds from either type of Share Certificate will result in a penalty of 90 or 180 days of dividends, earned or not, to be determined by Louviers credit union. Exceptions may apply to Louviers IRA certificates.

Premature withdrawal of funds from a Louviers IRA Share Certificate may result in additional tax penalties.

When a Louviers regular Share Certificate term has ended‚ the money can be withdrawn entirely‚ moved into another account or rolled over into another Share Certificate. When a Louviers IRA Share Certificate term has ended‚ the money must be rolled over to another IRA Share Certificate or transferred into another type of retirement account in order to avoid tax penalties.

Note: At this time, legacy Louviers members will only be able to apply for a Louviers’ product or service through the Louviers’ applications.

With a Louviers FCU Checking Account, you can expect the following:

• No minimum balance required
• No monthly service charge
• No transaction fee
• Monthly statements
• Access your checking account with a VISA® Debit Card
• Access your checking account balance and transaction history with Teller Phone, Online Banking, or Mobile Banking

Once you’ve signed up for a checking account, you can make deposits to your account just like any other account, including in person, by ATM, direct deposit, transfers between accounts, and Teller Phone. You can withdraw cash using your debit card surcharge-free at any Allpoint, CUHERE, CUHERE Select, or Money Pass ATM, or get cash back by using your Louviers VISA® Debit Card to make a point-of-sale purchase.

Overdraft Coverage Options
Life happens! Louviers Federal Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Coverage* can help.

Louviers FCU has a number of Overdraft Coverage* options:

• Overdraft Protection – A link to your savings account to transfer should you accidentally overdraw.
• Overdraft Privilege – We will cover your overdraft up to $500.00, so your bills still get paid!
• Standard Coverage – Automatically enrolled after 30 days of account opening, includes checks, ACH, recurring debit card payments, online bill pay items, internet banking transfers, telephone banking, and teller window transactions.
• Extended Coverage – Requires your consent and extends your Overdraft Privilege to include ATM withdrawals and everyday debit purchases.

*While Overdraft Protection through a linked savings account is free of charge, when Overdraft Privilege (either standard or extended coverage) is used, the member will still incur the $25.00 overdraft fee per transaction up to $500.00.

Note: At this time, legacy Louviers members will only be able to apply for a Louviers’ product or service through the Louviers’ applications.

Louviers FCU offers both a VISA® Debit Card and an ATM card to make accessing your money 24 hours a day, 7 days a week at over 80,000 locations worldwide! Both ATM and VISA® Debit Cards allow you to check your account balance and make cash withdrawals surcharge-free at any:

• ALLPOINT
• CUHERE
• CUHERE Select
• MoneyPass ATM
• Wawa and 7-11 ATMs

Your VISA® Debit Card has additional benefits other than just giving you access to cash at an ATM. It offers the convenience of a credit card, but the funds come directly from your checking account every time you swipe your card. That makes it faster and easier than writing a check. Use your VISA® Debit Card at any point-of-sale terminal where VISA® is accepted.

Any transactions made with your VISA® Debit Card will appear on your monthly checking statement. You can also access your debit card transaction history through Teller Phone or Online Banking or via mobile.

Apply online for a Debit or ATM Card or download the Debit & ATM Card PDF application. Complete, sign, and mail the application to the credit union or fax it to (302) 731-2461. Once your application is received and approved, you will receive your card in the mail within 7 to 10 business days.

Instant Issue
Need access to your account right away? Louviers FCU now offers instant issue Debit & ATM Cards from our Main Street branch location. Speak to any member service representative to get a card ordered. Some fees may apply.

• Turn your cards on or off, in an instant, for any reason.
• Control transactions by category or by dollar amounts.
• Easily set, customize, and modify purchase alerts.

Note: At this time, legacy Louviers members will only be able to apply for a Louviers’ product or service through the Louviers’ applications.

TruStage: Insurance the credit union way.

Insurance protection is part of a solid financial plan. From getting a good rate on coverage for your car to making sure your life insurance is adequate, dependable insurance coverage ensures financial relief when you need it. And along the way‚ you’ll take comfort in knowing you’re protected.

TruStage insurance products and programs help members protect what matters most. Backed by nearly 80 years of working in partnership with credit unions and their members‚ you’ll find products for life‚ car‚ AD&D‚ home, and more. TruStage offers straightforward information‚ real value, and assurance. And it’s only for credit union members like you.

To learn more‚ get quotes, or just explore‚ visit trustage.com.

© CUNA Mutual Group‚ 2012 All Rights Reserved
TruStage‚ is a marketing brand used to identify products offered through CMFG Life Insurance Company and programs offered through CMFG Life insurance agencies to credit union members.
CORP-1112-B43A

Service & Deposit Account	Fee
Membership Share	$5.00 (initial deposit - required)
Check Printing	Prices vary by style
Check Copy	$3.00 per copy
Inactive/Dormant Accounts	$15.00 per month (after 2 years inactive)
Non-Sufficient Funds (Paid or Returned)	$25.00 each time a check, ACH, recurring debit card transaction is presented, or payment is otherwise requested
Overdraft	$25.00 per item
Return Deposit Item	$25.00 per item
Stop Payment	$20.00 per request
Share Draft Statement Copy	$3.00 per copy
ACH Origination/Transfer	$2.50
ATM Use Per Transaction	$1.00 after 6 free per month

Other Fees	Fee
Account Research	$20.00 per hour
Account Servicing Garnishments, Levies, Writs	$50.00 per item
Cashier's Checks (after 1 free per day)	$4.00 per check
Credit Card Late Payment	$25.00 per item
Deposited Item Return	$25.00 per item
IRA Outgoing Transfer	$50.00
Return Mail	$5.00 per item
Subordination Agreement Processing	$100.00
Visa Debit Card Replacement	$7.50 per card
Visa Gift Card ($1.00 min.)	$2.50
Visa Travel Card ($100 min.)	$7.00 initial $2.00 per card reload
Wire Transfer Charge	$25.00 Domestic $50.00 International
Incoming Wire Charge	$10.00

Self-Service Storage Boxes	Fee
3 x 5	$45.00 per year
3 x 10	$65.00 per year
10 x 11	$125.00 per year

Service	Fee
Account Reconcilement (minimum charge 1 hour)	$20.00
Account Research (minimum charge 1 hour)	$20.00 plus copies
Activity Printout	$5.00
Card Replacement - Debit or ATM	$5.00
Card Replacement- Rush Replacement or Special Handling	$30.00
Check Order. Business Advantage Interest Checking	First order FREE up to $50.00
Check Order: Business Premier Interest Checking	First order FREE up to $100.00
Both Accounts	25% Discount on Future Orders
Check or Deposit Slip Photocopies	$2.00 each
Collection Items	$25.00 plus our cost
Dormant Charge	$15.00 per month
E-Statements	FREE
Missing or Incorrect Taxpayer Identification Number	$50.00
Notary Fee	FREE
Online Banking	FREE
Online Billpay	FREE
Paid Item Fee (cach ACH, POS, or check paid while overdrawn)	$35.00
Records Retrieval	$15.00 per box
Returned Item Fee (each ACH, ATM and POS rejection, and check returned unpaid)	$25.00
Returned Deposit Item Charge	$5.00 per item
Returned Mail - Incorrect Address	$3.00 per item
Safe Deposit Box	(Standard Rates Apply for Each Size - Ask for Rates)
Stop Payment	$20.00 per request
Statement Copy	$5.00 per month copied
Telephone Account Access	FREE
Wire Transfers - Incoming Domestic	$10.00
Wire Transfers - Outgoing Domestic	$25.00
Wire Transfers - Incoming International	$10.00
Wire Transfers - Outgoing International	$50.00