Ask anyone why they are not members of a credit union despite low fees and great returns, and they will inevitably say that credit unions are not convenient. However, because credit unions are stewards of their members’ money, they don’t sacrifice providing low cost loans and great services for depreciating brick and mortar and lots of locations.
Thanks to technology and industry solidarity, credit union members can bank 24-7. Here are three reasons why convenience excuse is irrelevant.
- Mobile Banking. Most credit unions, including Unity One Credit Union, have a mobile app. Unity One’s app allows members to check balances, transfer money, deposit checks using the phone’s camera, find the nearest ATMs and locations. Go to your smartphone app store, and download the app. It's FREE!
- Shared Branching. With shared branching, credit union members can deposit and withdraw money, transfer funds, make loan payments and check account history at 4000+ convenient locations nationwide. Log on to the Unity One Credit Union Web site at www.unityone.org, and type in a zip code. The list of the nearest shared branching service centers will appear. Bring your valid ID, the name of your credit union and your account number.
- Online Branches. Because credit unions have the perception that they are not convenient, many have invested lots of resources into their online presence—their Web sites. You can apply for membership, download a loan application, calculate your loan payment, log on to home banking and bill pay, find the latest financial trends and community events, get location information, rates, closings and even switch financial institutions just by visiting. You would be surprised about all that you can accomplish online. The next time you have question, check out the Web site, and I'm sure you will find the answer in no time.