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CO-OP - Surcharge Free ATM Network

The Largest Credit Union Owned ATM Network in the Country

It is not an option anymore - members expect to find an ATM they can use wherever and whenever they need one. More importantly, members do not want to pay a surcharge for accessing their money.

With more than 25,000 surcharge free ATMs nationwide, the CO-OP Network, operated by CO-OP Financial Services, is the most expansive credit union-owned ATM network in the nation.

Network Sponsorship Agreement

Through our Network Sponsorship Agreement, the New Jersey Credit Union League is able to offer New Jersey credit unions the ability to join the CO-OP Network without having to purchase stock. In addition, credit unions will receive substantial discounts on transaction fees, setup fees and annual fees.

National Surcharge Free Network

CO-OP Financial Services consists of 2,000 member credit unions across the country with a combined total of over 24 million cardholders. These cardholders enjoy surcharge-free access to more than 25,000 CO-OP Network ATMs at participating credit unions, convenience stores, airports, supermarkets, malls, and many other retail locations. Deposits are accepted at over 6,500 of these ATMs.

The 7-Eleven Connection

The CO-OP Network has network relationships with well-known convenience store chains, sporting high traffic locations and well-lit, 24 hour accessible ATMs. 7-Eleven is among the premier names in the CO-OP Network. More than 5,500 of the chain’s ATMs are part of the CO-OP ATM Network. Most of these ATMs are full service, deposit taking terminals available to your members at locations all throughout the country.

Where you Shop

CO-OP Network ATMs are available in many retail locations – gas stations, supermarkets and discount stores, such as K-Mart. This includes access to more than 800 ATMs in the Publix grocery Chain, as well as more than 1,000 ATMs at the Pantry and Cumberland Farms convenience stores up and down the east coast.

When You Travel

CO-OP Network branded ATMs are found in many major U.S. airports. They are exclusive at Los Angeles International, Salt Lake City International, and Denver International. In addition to airline employee credit unions, CO-OP has relationships with military and defense-related credit unions that provide ATM services for military personnel at bases in the U.S. and around the world.

Finding CO-OP Network ATMs

Members can identify a CO-OP Network ATM by the familiar logo on any ATM within the network. An online branch locator (www.co-opnetwork.org) provides locations within a 10 mile radius. Members may also dial a toll free number to reach an automated ATM locator service.

How To Join

Becoming a participant in CO-OP Network could not be easier. There are no data processing changes required or additional data communications links. The CO-OP Network already has access to virtually every national and regional network in which you participate and no conversion is required.

CO-OP Financial Services will provide all the consulting, project management, and training needed to fully participate in network membership.

Marketing Support

Location brochures, statement stuffers (including 7-Eleven/CO-OP Network promotional materials), brochures, Web banners, ads, in-branch promotions, and other marketing resources are available to raise CO-OP Network awareness among your membership and in your market area.

Getting Started

For additional information on offering your members surcharge-free ATM access through the CO-OP Network, please contact Jim Merrill at 800-792-8861 x120 or jmerrill@njcul.org .

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Custudentloans.org is a consumer facing portal connecting students in need of a private student loan with a network of credit unions. CUstudentloans is powered by Fynanz and is the industry’s leading private student lending network.

By offering private student loans, credit unions gain access to the younger population demographic. Private student loans will also allow credit unions to increase loan revenues, grow membership and promote financial awareness and credit union awareness. Network applicants who are not credit union members at time of application are prompted to select and join a participating credit union during the application process.

Fynanz is the only company in the private student loan marketplace who provides this service with no financial barriers to entry. In addition, Fynanz absorbs all the marketing costs of the program, focusing on the Direct to consumer channel, existing credit union member channel and also development of the school/university channel.

Risk mitigation is provided to credit unions through a unique and proprietary underwriting system and also an optional participation program. Credit unions who wish to develop, price and underwrite their own custom program are also able to participate.

For more information on how to join the growing student loan participation network or start you own custom program, contact Jim Merrill, Senior Vice President of Business Services at the New Jersey Credit Union League at 800-792-8861 x120 or jmerrill@njcul.org.

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Digital Compliance
http://digitalcomply.com/

As the vendor management pioneer, Digital Compliance began laying its foundation in 2003. With outsourced relationships reaching an all time high Digital Compliance saw a growing challenge to manage outsourced relationships, compliance documentation and client information for both financial institutions and companies who serve the financial sector. Our solution is more then a software product or repository. Put simply, Digital Compliance takes on the burden of requesting, receiving, documenting, digitizing, updating and reporting complete due diligence and compliance documentation for all of your outsourced relationships so that you don’t have to. With the NCUA and other regulating bodies tightening their focus and new requirements to address consumer protection, safety, soundness and information security Digital Compliance is in the right place, at the right time, with the right solution.

Digital Compliance’s solution for Credit Unions
? Assists in the risk classification of outsourced relationships.
? Identifies and acquires specific information from each third party relationship.
? Provides tangible relief to your staff resources and bottom line.
? Provides practical content reports, document guide and board report for each third party
? Maintains year round documentation with update notifications
? Provides compliance documentation securely, 24-hours a day, 7 days a week.
For more information call: 406-325-9737 or contact:

Lisa Huertas
lhuertas@digitalcomply.com
406-690-8756 direct

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HRValue Group
www.hrvaluegroup.com

Successful credit unions place a high value on good people. They rely on qualified staff members at every level who work smart and strive to meet their potential. HRValue Group specializes in helping credit unions establish human resource programs that protect their investment in such valuable people. HRValue Group is owned by a consortium of state leagues and CUNA Mutual Group and offers a complete line of products and expert services designed to address shortcomings in human resource programs. HRValue Group’s products and services include: Executive Search, Staff Recruiting, Virtual HR, Compensation System Design, Benefits Analysis, Human Resource Policy Manuals, Employee Handbooks, Performance Management Programs, Organizational Structure Analysis, HR Systems Assessment, Employee Opinion Surveys and Training Programs.

HRValue Group
15800 N. Haggerty Road
Plymouth, MI 48170

Phone: 717.264.0529

Mike Dougal - mdougal@hrvaluegroup.com

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ICUL Service Corp

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

Other benefits

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

Additional Benefits

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.

Phone: 1.800.304.2273

Jamie Conrad - jamie.conrad@ilcusys.org

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Members United Corporate FCU
www.membersunited.org

Members United Corporate Federal Credit Union, launched in mid-2006, resulted from the merger of two powerful and longstanding corporate credit unions: Empire and Mid-States Corporate FCUs. Together, the two corporates have put their strength behind credit unions for over half a century, and will continue to do so in this new organization.
Though Members United serves over 2,100 credit unions nationwide, maintaining a regional presence near our members is an important service philosophy.

In order to assist credit unions to compete effectively, Members United offers credit-union-focused products and services that are competitively priced. We are also committed to providing value in forms that are less tangible but vitally important, through information, education, training, and support.
Because we leverage our significant resources and partnerships on behalf of credit unions, becoming a member of our community can be very worthwhile.

As you know, credit unions are driven by a strong "people helping people" ethic. This heightened attention to individuals typically distinguishes credit unions. Similarly, not-for-profit corporate credit unions are devoted wholly to the prosperity of the credit unions that make up their membership. On its own, a credit union may not be able to secure the high quality, economically priced products and services it needs to serve its members. This is where a corporate credit union can be of assistance. A corporate credit union provides access to products and services, accompanied by friendly, professional support. A corporate's within-the-industry perspective means that the regulatory environment in which credit unions do business is an important consideration. This insight is a big plus for credit unions.

Because Members United Corporate FCU is a credit union, our members can be confident that their particular challenges are understood, and that their needs are met with appropriate solutions.

Members United Corporate Federal Credit Union
1021 Watervliet-Shaker Road
Albany, NY 12205

Phone:  800-253-0053

Sandy Albertson - 800-253-0053, ext. 4701

Venio LLC
www.Venio.com

Venio locates owners of unclaimed assets or abandoned accounts held with credit unions, banks, brokerage firms, privately and publicly held companies, mutual funds and insurance companies.  Our mission is to fulfill the unclaimed property needs of our clients, while exceeding their expectations in service, quality and value.

Credit unions looking for a trusted and valued partner in customer location turn to Venio. Venio has an excellent success rate locating and reactivating dormant accounts. Working with us, our clients reduce costs from location searches, due diligence mailings and unclaimed property reporting, while improving customer relations.

At Venio, we have experience in both the Unclaimed Property and Banking industries. Our professionals understand both operational and retail needs, as well as how to reduce escheatment. We’ll help you keep more assets under management and drive members into branches for cross-selling opportunities.

Venio is Your One-stop Solution for Unclaimed Property Services:

Search & Location Services
- Customer Location Searches
- Address Verification Program
- Heir Location Searches

Reporting & Escheatment Services
- Due Diligence Mailings
- Certified Mail Services
- State Unclaimed Property Reporting

Risk Management Services
- Fraud Review & Mitigation Programs
- Initial Compliance Programs
- Consulting Services
- Monitoring Unclaimed Property Laws & Regulations

For more information please call 212.764.6800 or contact:

John Amodeo
john.amodeo@venio.com

Mike Ryan
michael.ryan@venio.com

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Advanced Fraud Solutions

Solving the Counterfeit Check Problem

Advanced  Fraud Solution helps credit unions with the problem of counterfeit checks through their True Checks™ program.  

True Checks provides a proactive approach for identifying and stopping counterfeit fraud. By analyzing demand drafts, True Checks identifies counterfeit demand drafts and prevents kiting by providing frontline staff with information such as:

When a teller is presented a check, he or she can easily enter the check information into the True Checks system. True Checks then analyzes the check information, if the check has fraudulent information, then True Checks issues either an “alert” or a “denial.” An alert provides a teller with relevant information that assists in determining what type of hold to place on the check. A denial lets the teller know that the check should not be accepted under any circumstance. A denial is usually associated with known counterfeit accounts, counterfeit routing numbers or a customer history of check fraud.  True Checks constantly analyzes data to alert frontline personnel.
The advantages of the True Checks program include:

Pricing for the True Checks program is based on the asset size of the credit union and billed on an annual subscription basis. Credit unions have the option to cancel the service at any time.

Contact:

www.advancedfraudsolutions.com
Lawrence Reaves
Vice President
Advanced Fraud Solutions
lreaves@advancedfraudsolutions.com
336-416-0414 Cell
866-663-4709 Office
336-217-4859 Fax

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Administaff, Inc. (NYSE: ASF) is the nation’s leading professional employer organization (PEO), equipping America’s best small and medium-sized business with a robust portfolio of human resources services. As an advocate for small business, our comprehensive services include payroll/employment administration, employer liability management, retirement services, government compliance, performance management, training and development, recruiting and selection and health benefits management.

Administaff’s Personnel Management SystemSM offers companies a wide range of HR services that enables businesses to be more systematic and strategic about the role that employees play in their success.

Administrative Relief: Allowing Administaff to handle the employment administration for your credit union means that you can spend more time focusing on profitability, while Administaff handles:

• Time and Attendance Systems/Payroll Processing
• Unemployment Claims Administration
• Employment Verification
• Workers’ Compensation Plan Coverage and Claim Resolution

Big Company Benefits: Administaff knows that credit unions that have access to quality employee benefits enjoy a stronger competitive position in the marketplace. Administaff provides you with quality benefits packages that translate into better recruitment and retention of top talent, including:

• Health Care Management
• Retirement Services
• Business Services

Reduced Liabilities: Administaff shares many of the employer liability responsibilities that go hand in hand with being an employer. Employer/employee disputes are among the fastest-growing areas of litigation in the U.S. today. Administaff’s compliance specialists free you from facing this burden alone. Administaff handles:

• Government Compliance
• Employer Liability Management

A Systematic Way to Improve Productivity: Strong human resources practices have the potential to increase your credit union’s productivity and profitability. Your Administaff team works with you to develop effective HR strategies that can have the most positive effect on your company’s success. Administaff’s highly trained HR professionals will help you cut through the clutter and assist you in creating a comprehensive array of strategic HR services that gives you the biggest bang for your HR investment, including:

• Recruiting and Selection
• Performance Management
• Training and Development

In just over two decades, Administaff has gone from a two-person operation with large aspirations to a nationwide leader in supporting and serving growth-oriented businesses. The recipe for success hasn’t changed since then: deliver innovative and effective HR strategies that help businesses succeed.

To see how Administaff can help your business succeed, contact us today.

Lou Vassalotti -- Lou_Vassalotti@administaff.com
Chris DeWorken -- Chris_Deworken@administaff.com

973-822-4600
325 Columbia Turnpike, Suite 304
Florham Park, NJ 07932

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Alpha Omega Laser is celebrating its 28th year specializing in credit unions. Our services include statement processing (laser printing), statement graphics, e-statements, check imaging printed with the statement, data archiving, direct mail, newsletter/brochure/envelope printing, multiple statement consolidation, target marketing/mailing and specialized custom software development.

Statement processing includes NSF’s, loan notices/HELOCS, month end statements, visa and master card statements, multiple checks printed and appended to the statements (small business application designed to level the playing field with the banks), and year end taxes. When statement processing is complete, the same can be posted as an e-statement and archived to a CD/DVD for longer-term storage.

Our services don’t stop there!! Extensive consulting is part of set up. We are experts at identifying and removing statement waste that results in higher paper, envelope, brochure, and postage bills. Our experience shows that it is these covert items that occur in statement processing which increase the credit union’s bottom line.

In addition, we are also experts in consolidation of multiple statements, removing wasteful redundancy, and targeting more items than just brochures. By placing many kinds of statements and check images into a single envelope for a single mailing, the credit union streamlines the mailings, saving extra postage and envelopes. Even disclosures can be targeted selectively and can be rotated with other types of notices printed on the back of the statement for permanency and cost reduction. Our specialized software development will give your statement a delightful facelift which your members will rave about. All of this reduces the bottom line costs and creates growth for the credit union. The best news is all of this is done without the credit union having to change/disturb any of the strategic data processing, item processing or credit card providers.

Alpha Omega Laser
P.O. Box 17524
Shreveport, LA 71103

Toll Free Phone: 888.624.8455

Lynn Sayad: lynn@laserprinting.com

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Dynamic Marketing Systems
www.dymasys.com

Dynamic Marketing Systems (DMS) is a provider of Web-enabled marketing resource management solutions and is based in Norcross, Georgia.  DMS’s market resource management platforms provide centralized management of sales and marketing content, streamline marketing design, production and printing processes and support personalization of marketing content for individual business units or customers.  The Dynamic Marketing Center is the company’s enterprise marketing resource platform for organizations with large sales forces and distribution channels.  Micro Merchant is DMS’s marketing resource management platform designed for the unique needs of the community banking and credit union markets, providing the ability to customize marketing and sales material according to the needs of individual customers and branches.  The platform ensures brand messages are consistently applied across the organization.  DMS currently serves 10 corporate clients and 10 community banks and credit unions with 44 branch locations.  For more information, visit the company’s Web site at www.dymasys.com.  For more information on Micro Merchant, visit www.micromerchant.com.

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Credit Union Networking & Security Specialists

ECCT is a nationwide organization providing all forms of networking and security services exclusively to credit unions. We have been providing "best-in-breed" services to credit unions nationwide since 1992. Our services are tailored to meet the unique requirements of credit unions and their data processing vendors. We are authorized business partners with many data processors and work closely with them to provide the best service possible. With a solid niche in your industry, ECCT can meet the specific needs of your credit union.

Our e-Scope Security Services Division is dedicated to providing the following services:
• Data Leak Prevention Services (DLP)
• Managed Intrusion Prevention Systems (IDS/IPS)
• Firewall Management Solutions
• Web Application Firewall Solutions
• Network Monitoring Services (NMS)
• Security Policy Development Services
• Vulnerability Assessment Services
• Social Engineering Vulnerability Assessment
• Regulatory Compliance Assessment
• Security Awareness Training/Education
• Secure E-Mail Management Services
• Web Content Filtering
• Phishing Take-Down Services

Below is a list of the Networking Services we provide exclusively for credit unions.
• On-site and Remote Network Service and Support
• LAN/WAN Network Design, Installation and Support
• Hardware and Software at Competitive Prices
• Hardware and Software Upgrades
• Network Cabling Installations
• Routing/Switching/Voice over IP/VPN/VLAN Solutions
• Thin Client/Citrix Design, Installation and Support
• Remote Network Administration/Hardware Support Contracts

Please contact Ottavio Impastato for more informaiton and to schedule a FREE Network Security Consultation at 800-398-2292 ext. 151.

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Enterprise Car Sales
www.cuautodeals.com

For more than a thousand credit unions across the United States, working with Enterprise Car Sales is “The Perfect Partnership”. Enterprise Car Sales helps credit unions of all kinds succeed, from those with a few thousand members to those with more than a million members. Every member you send to us will return to your financing, 100% of the time. Guaranteed!! Ni

Enterprise Car Sales can help your credit union:
Increase loan volume
Strengthen member loyalty

We help increase your loan volume with extensive programs and services, such as:
Everyday Sale Program
Our everyday local deals and constantly updated inventory of more than 6,000 quality used cars, trucks, vans and SUV’s makes it easy for your members to find the perfect vehicle when they’re in the market to buy. All our vehicles are also featured online, making the search even easier.

Special Sales
We extend special sale offers and host member events to help you drive high auto loan volume quickly.

Marketing and Promotional Support
We provide you with the tools and materials you need to develop a successful turnkey program that builds member awareness and excitement around a great car buying experience.

Nine out of ten Enterprise Car Sales customers are completely satisfied*. (*Customer satisfaction data based on surveys of Enterprise Car Sales customers) To help strengthen member loyalty and generate repeat customers who will return to financing again and again, we:
Create a positive buying experience for your members, treating them with the same care and respect as you would.
Provide quality used vehicles that fit your members’ needs and budget.
Deliver exceptional service from our professional staff in a low-pressure sales process that puts your members’ needs first.

We have great cars at great prices and we back every car with one of the industry’s best used-car warranties. Each one of our vehicles has passed a 109-point inspection by an ASE-Certified Technician and comes with our unique Haggle-Free Buying And Worry-Free Ownership® promise, which means:
No-Haggle Pricing- The price you see is the price you pay.** All vehicles are offered at unbelievably low prices.
7-Day Repurchase Agreement. If you change your mind, we’ll buy it back, no questions asked.***
12/12 Limited Powertrain Warranty.***
1-Year Roadside Assistance.****
Free CARFAX reports.
Disclaimer:
**Price does not include tax, title, tags, governmental fees, any emissions testing charges, and any finance charges (if applicable). Unless otherwise stated separately, price does not include processing, administrative, closing or other similar fees of $149 or less. ***Restrictions apply. For details, see an Enterprise Car Sales Manager. Enterprise 12-Month
Unlimited Mileage ****Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada.
The “e” logo, Enterprise, and “Haggle-free buying. Worry-free ownership.” are trademarks of the Enterprise Rent-A-Car. All other trademarks are the property of their respective owners. © 2009 Enterprise Rent-A-Car.

“We partnered with Enterprise because ‘honest value’ is a principle with their culture as well as ours. Promoting the Enterprise used car program to our members is a winning combination - low rates, good cars, and a deserving buyer.” -James R. Schenck, Executive Vice President, Pentagon Federal Credit Union.

Regional Office:
1550 Route 23N Wayne, NJ 07470

NJ Locations:
1546 Route 23N Wayne, NJ 973-686-9565
449 Hwy 27 Iselin, NJ 08830 732-404-1230
1316 main Avenue Clifton, NJ 07011 973-772-0150
1141 Route 88 Lakewood, NJ 08701 732-886-1796

Contact Person: Michael Kopp @ Office 732-886-1796 or cell # 862-881-2560. E-mail address is mkopp@erac.com