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AMERICAN EXPRESS TRAVELERS CHEQUES Travelers Cheques are used in place of carrying cash while traveling. If lost or stolen they are refundable usually within 24 hours. Widely accepted cheques are able to be purchased in US currency in packs of $150, $200, $250, $300, $500, $1000, for a fee of 1% of purchased amount. AMERICAN EXPRESS TRAVELERS CHEQUES FOR TWO Cheques for Two have a convenient dual signature feature allowing either of you to purchase or use them. So one can go sightseeing while the other relaxes by the pool.
Travelers Checks for Two are available for purchase in packs of $150, $200, $250, $500, for a fee of 1.50 per $100. AMERICAN EXPRESS GIFT CHECKS American Express Gift Cheques are ideal for everyone on your list. They are available in a variety of denominations, such as $25, $50, and $100, and unlike gift certificates, can be used to buy virtually anything. The fee is $1.25 per Cheque. AMERICAN EXPRESS GIFT CARDS An ideal gift for any occasion the prepaid electronic card is available in $25, $50, $100 and $500 denominations, for a fee of $3.95 per card. CASHIER”S CHECKS If you need an official check drawn from your account, there is no charge if check is payable to member, to pay taxes or for more than $1,000.00. MONEY ORDERS MoneyGram Money Orders provide a convenient alternative to writing your own check or withdrawing cash and are available to purchase for up to $1,000.00. NOTARY SERVICE Free notary service is available to all members during business hours. NCUA INSURANCE The NCUSIF provides all members of federally insured credit unions with $250,000 in coverage for their individual accounts. These accounts include regular shares, share drafts (similar to checking), money market accounts, and share certificates. Individuals with account balances totaling $250,000 or less at the same insured credit union have full NCUSIF coverage. Joint accounts are savings or share draft accounts owned by two or more people who have equal rights to withdraw money from the account. The NCUSIF provides joint account holders with $250,000 coverage for their aggregate interest at each federally insured credit union. For example, a two person joint account has $500,000 in coverage. This coverage is separate from, and in addition to the coverage available for other accounts such as individual accounts and retirement accounts. Members with Traditional and Roth Individual Retirement Accounts (IRAs)at federally insured credit unions have additional coverage available at each federally insured credit union where they qualify and become members. The NCUSIF insures member Traditional and Roth IRAs for $250,000 in the aggregate at each credit union. NCUA has a Share Insurance Estimator on its Internet site to help members better understand the protection offered by the NCUSIF. This interactive site allows users to input hypothetical data to compute the amount of NCUSIF coverage available under different account structure scenarios. This resource is available at the link http://webapps.ncua.gov/ins. |
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