Bay Gulf Masthead
August 9, 2010
Greetings!   

Can you believe it's almost back-to-school time already! The summer has flown by!
 
So has the time you have to enroll in DebitMate. Beginning August 16, unless you are enrolled, your overdraft debit point-of-sale transactions may be denied. Read the complete article below and contact us right away to authorize DebitMate coverage.
School Bus 
READY FOR BACK TO SCHOOL?
Ensure Your Debit Card is!
 
 
Step 1: Enroll in DebitMate
 
Make sure all your transactions are approved. See the next article for complete information.
 
Step 2: Opt for e-Statements
 
Simplify and get your statements electronically to eliminate the risk of them being lost or stolen, to lessen the paperwork you have to keep track of, and to get your statement faster.  Plus, they're free! Sign in to Online Banking to enroll and view statements.
 
 
Step 3: Sign instead of PINning
 
Every time you use your Bay Gulf VISA Debit Card, sign the receipt like it's a credit transaction instead of using your PIN. Signed transactions are free (versus a $.50 transaction fee for PINned purchases), and you also get more information on your statement. Start signing and save!
 
YES! to Overdraft Protection
DEBITMATE OVERDRAFT COVERAGE
Authorize Before August 12
 
Important changes are taking place in Overdraft Coverage due to recent legislation. Currently, our DebitMate Overdraft Program automatically pays overdrafts on your checking account incurred by Debit Card Point-of-Sale (POS) transactions.
 
Due to government regulation, however, we will no longer be able to offer DebitMate Overdraft Coverage for Debit Card POS transactions, unless we have your authorization by August 12, 2010.
 
If you wish for us to authorize DebitMate Overdraft Coverage for Debit Card POS transactions, please visit any Bay Gulf branch, call us at 813.932.1301 option 7, or click the links below.
 

YOU DON'T HAVE TO RIDE THE BUS          We can help with some new wheels...

Family in Auto
 
Need a captain to chart your course? Or just need a compass heading? Whether you are buying or re-financing, we're your preferred auto lender. 
 
Get pre-approved, then sail on over to our auto buying services where you can avoid the negotiation hassle and save time and money, too!
 
FIRST: Secure your car loan by getting pre-approved. You'll know how much you can spend, and you can tell your auto advisor or dealer you already have financing in place.
 
SECOND:    Shop yourself for pre-owned autos with     Enterprise Car Sales or Credit Union Remarketing Solutions. Both have online inventories, or stop by your local Enterprise Car Sales lot. If you prefer, we'll locate a new auto for you. Auto Advisors is your personal shopping and advocate, saving Bay Gulf members an average of $2000.
 
Discover for yourself why Bay Gulf is a preferred lender.  Let us help you slide into your new ride today!
 
In This Issue
Debit-Ready for Back to School
DebitMate Overdraft Coverage
We Can Help with Some New Wheels
Help a Student with VISA Gift Cards
Quick Links
 
 
 
 
 
Student
 
STUDENTS MAY NEED A LITTLE EXTRA...VISA Gift Cards Can be a Big Help
 
 
Select a gift that will help that student out when they need it. It's the fastest and easiest way to give the perfect gift. 
 
Simply pick a card design, choose an amount, and send the card. Gift giving has never been so easy, but so appreciated. 
 
 
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.
 
Sincerely,
 
Member Services
Bay Gulf Credit Union
813.932.1301