Bay Gulf Masthead
June 14, 2010
Greetings!  

Relaxing in the hammockWelcome to Summer 2010!
 
Is it vacation time? Time for a new car? Or time to just take some time to get organized? Whatever you're up to this summer, Bay Gulf can help. From safe and convenient online services to assisted car-buying, we've got what it takes to make summer a breeze.

SIGN UP BY JUNE 30 TO AVOID STATEMENT FEE

Statements on your laptopHave you enrolled in  e-Statements yet? Beginning June 30, 2010, paper statements will be assessed a $2 fee each.*
 
e-Statements look exactly like paper statements. They are 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. 
SLIDE INTO YOUR NEW RIDE WITH EASE
Three simple steps...
 
 
Rates as low as 4.49%
 
Step 1 - Secure Your Loan
Get pre-approved for a car loan so that you know how much you can spend, and tell the dealer or your auto advisor that you already have funding in place.

Step 2 - Find Your Car, Truck, or SUV                                            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.
Debit Card PaymentCHANGES COMING TO DEBIT OVERDRAFT PROTECTION 
 
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
Avoid Statement Fees
Slide Into Your New Ride
Debit Overdraft Changes
Traveling Outside the US?
Quick Links
 
 
 
TRAVELING OUTSIDE THE CONTINENTAL
U.S.?
 
 
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! 
  
 

ARE YOU PAYING BILLS ONLINE YET? 

Using Bay Gulf's Online Bill Pay service offers flexibility, savings, convenience, and security.
 
PLUS, beginning June 15, paying bills online could get you cash back! 
 
Visit our web site or log in to Online Banking beginning June 15 for the details.
 
Join our mailing list
Antique map in Manifest Header Art provided courtesy of David Rumsey Map Collection

www.davidrumsey.com 

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