Online bill payment is here!!! We call it CHECKLESS WITH US, because you may never write a check again!!! AND, if you have a checking account with direct deposit of payroll, the bill payment service will be FREE.*

In two easy steps, you can go — CHECKLESS WITH US.

1. Contact us at 962-8413 to enroll in HOME BANKING. If you
   already use HOME BANKING, go to step #2.
2. Logon to HOME BANKING. Then, choose CHECKLESS WITH US in
   the toolbar. Complete the Enrollment form and submit it. Within
   24 hours you will receive a confirmation that you are ready to go
   — CHECKLESS WITH US.

THAT’S ALL THERE IS TO IT!!! But, call us at 962-8413 if you have questions!

* Members having a checking account with direct deposit of payroll pay no monthly fee for CHECKLESS WITH US as along as at least one bill is paid to keep the account active. If the bill payment service is not used for 60 days, a $5.95 monthly fee will be assessed. A $.50 excess transaction fee will be assessed for each transaction in excess of 10 per month. Members without direct deposit of payroll, will receive this service FREE for four months, after which the monthly fee will be $5.95 per month, plus the excess transaction fee described above.

Effective 6/17/08, Clarian Federal Credit Union converted to “real-time” processing for ATM and debit card transactions.

What does this mean to you?
It means that deposits to your account are immediately reflected in your available balance (The exception to this is any deposit made at an ATM.  We can not make those available until we have verified the deposit).  It also means that your debit transactions are immediately deducted from your available balance as long as the merchant obtained an online authorization.  As a result, in most cases, you no longer have to wonder which transactions have posted in order to know how much you actually have available in your account.  However, as has always been the case, it is extremely important that you record all debit transactions immediately in your register and recalculate your balance. This is the only sure way of avoiding returned items and non-sufficient funds fees. 

If there are any questions about this change, please feel free to contact us via email or at (317) 962-8413

3.75% APY for members with checking, direct deposit & bill payment service. 
3.50% APY for members with checking & direct deposit. 
3.25% APY for members with checking. 
3.00% APY for a $1,000 minimum deposit.

Highlights of this Special:

• Extremely competitive yield on this certificate. 
• Low minimum balance required ($1,000).
• A 9-month term.
• Higher yields for members with more services. 
• Deposits insured up to $100,000 (or more). 
• Offer good until November 30, 2008. 

"PHISHING" scams are becoming more ingenious every day.

The traditional email "phishing" scam attempts to scare a member into divulging account information by threatening to cancel a credit or debit card if certain information is not
provided or to offer a cash incentive to the member for completing a survey.  All that is needed to get the cash is the member's debit or credit card number.

In a recent development, the telephone is being used to conduct the scam.  Members have been receiving voicemail messages on their cell phone asking them to call their financial institution at the phone number provided in the message.  When that phone number is dialed, a recorded message instructs the caller to enter their debit card number to activate the card.  THIS IS A SCAM.

Please be assured that we will NEVER call or e-mail and ask a member to divulge account information to us.  We already know your account number and your debit card and credit card numbers.  If you contact us, we may ask you to provide us with certain identifying information to verify your identity, but we will NEVER contact you and ask for account or card numbers.

YOU SHOULD NEVER GIVE THIS INFORMATION TO ANYONE WHO E-MAILS YOU OR CALLS YOU.

Also, be careful if you shop on the internet.  Only buy merchandise from reputable businesses that you have intitiated contact with.  SCAM artists have gotten very adept at replicating logos to look official.  If you are ever in doubt or uncertain about the authenticity of a website or an e-mail you have received, do the safe thing -- DO NOT GIVE THEM YOUR DEBIT OR CREDIT CARD NUMBERS.