A Better Way to Shop

So, if you’re holding things up because you’re frantically digging around in the bottom of your purse trying to excavate your checkbook, you are not likely making any new friends in the line behind you. There is an easier way.

Leave your checkbook at home, and use your credit union debit/check card to pay for your groceries or other purchases. The funds are deducted from your credit union checking account and you can be on your way. Keep the receipt handy so you can enter the purchase amount in your checkbook register. Even though your check card is a debit card, at some checkouts, the clerk will ask whether you’re using “debit or credit.”

If you say “debit” you’ll enter your personal identifi cation number (PIN) to complete the sale. As a debit, the merchant pays only pennies for processing, but the financial institution, including your credit union, earns less on the interchange fees.

If you say “credit,” you must sign for your purchase. When completed this way, the transaction costs the merchant more, but your credit union earns more on the interchange fees. Some merchants do not accept credit cards and only allow PIN-based purchases. Because there are costs of doing business with plastic, there may be some fees assessed for using your card this way. If you have the choice, it’s easy – choose credit. Contact the Credit Union for more details.

UNITED POLES FEDERAL CREDIT UNION
412 New Brunswick Avenue
Perth Amboy, NJ 08861
tel: 732-442-5648
fax: 732-442-1443

NEW ADDRESS:
1161 W Saint Georges Avenue
Linden, NJ 07036
tel: 908-523-0008
fax: 908-523-1790

www.UnitedPolesFCU.com
1-800-333-7713