Bay Gulf Masthead
June 1, 2010
Greetings!  

Summer is almost here! Check out the latest from Bay Gulf to get everything in place to enjoy yours.
Family in Car3 STEPS TO
YOUR NEW RIDE
 
 
Step 1 - Secure Your Loan

Get pre-approved for a car loan so you know how much you can spend, and tell the dealer or your auto advisor that you already have funding in place. Rates as low as

Step 2 - Find Your Car, Truck, or SUV  

We have two avenues to get you going:
 
-- Chris Engle, our Auto Advisor, is your personal shopper and advocate in finding the new vehicle you want at the best possible price, saving most Bay Gulf members an average of $2000. Call Chris at 727-420-5515.
 
-- Shop for pre-owned vehicles with Enterprise Car Sales. Stop by your local lot or visit Enterprise online.
 
Step 3 - Auto-Pilot Your Payment
 
Put your loan payments on automatic pilot
with payroll deduction or recurring electronic transfers from your checking account. Or, make transfers any time using Online Banking.
 
 
*Annual Percentage Rates on loans are as low as. Rates subject to change. The rate you pay will be based on your credit history. Contact the Credit Union for current financing terms.
Couple on CruiseTRAVELING OUTSIDE THE U.S. THIS SUMMER?
 
Let's make sure you can use your VISA Debit Card with uninterrupted service. If you are travelling outside the continental United States, please contact us before your departure so that we may prevent any possible security issues.
Visit any Bay Gulf location or call us at 813-932-1301. Enjoy your trip!
 
Debit Card PaymentCHANGES COMING TO OVERDRAFT PROTECTION ON DEBIT TRANSACTIONS
 
Bay Gulf's Debit Mate program may pay debit transactions presented for payment even if the funds are not available, as long as the account holders meet certain requirements. This will take the account negative and a fee is assessed, but allows the transaction to clear and the payment to be made.
 
Changes are coming soon to the DebitMate courtesy pay program, so watch for news so that you may retain the coverage you already have.
 
Contact us to set up overdraft protection on all your checking accounts, and apply for a line of credit for extra protection.
                          
In This Issue
3 Steps to Your New Ride
Traveling Outside the U.S.?
Overdraft Protection Changes
Sign Up for Free Statements
Quick Links
 
 
 
SIGN UP FOR FREe-STATEMENTS
 
Beginning June 30, 2010, paper statements will be assessed a $2 fee each*. 
 
e-Statements look exactly like paper statements. They are delivered through Online Banking and you receive an e-mail from us when they are ready each month.
 
Because they are stored electronically, they are available whenever you need them, night or day. No paper, no mail, no potential identity theft...and no fee.
 
Enroll today by logging in to Online Banking and clicking on E-STATEMENTS.
  
 
 
*The $2 statement fee is waived for members age 62 and older.
 
Join our mailing list
Antique map in Manifest Header Art provided courtesy of David Rumsey Map Collection

www.davidrumsey.com 

Thank you for your membership and we look forward to helping you with all of your financial needs in 2010.
 
Sincerely,
 
Member Services
Bay Gulf Credit Union
813.932.1301