Your Welcome KitYour Welcome Kit

WELCOMEHere’s everything you need to know about the transition from Touchstone Federal Credit Union to Hanscom FCU.

Key Dates .............................................................................. 1

General Account Information ................................................. 2

Savings Accounts ................................................................... 3

Free Checking ........................................................................ 4

Checks and ATM & Check Cards ............................................ 5

Account Management ........................................................... 6

Online Access HD .................................................................. 7

General Information .............................................................. 8

Consumer Loans .................................................................... 9

Table of Contents

Key DatesHere are important dates in the move to Hanscom Federal Credit Union’s systems.

September 15-25 Important items arriving in your mailbox Your new Hanscom FCU personal checks, debit card and credit card will be mailed to

you if you had these items with Touchstone FCU.

Personal Identification Numbers (PINs) for your debit and credit cards will arrive in a separate mailing before you receive your cards. Joint account holders will each receive a separate PIN. You will need your PIN to activate your new card and merchants may ask you to use your PIN when making purchases.

September 30 (Saturday) Online and Mobile Banking (Touchstone@home) Touchstone@home online banking service, including mobile apps, will no longer be

available for use after September 30, 2017 and transaction history will not be transferred to Hanscom FCU Online Access HD.

If you used Touchstone FCU’s online bill payment, made external transfers, or set up scheduled or recurring transfers between accounts, you will need to set up the companies and people you want to pay and re-establish transactions and payments in Hanscom FCU’s Online Access HD. The last day these transactions will be processed is September 30, 2017.

Statements If you receive paper statements, you will receive your final Touchstone FCU statement

dated September 30, 2017 by mail in early October.

Online statements will be transferred to Hanscom FCU Online Access HD.

October 1 (Sunday) Cards and Personal Checks Last day to use your Touchstone FCU debit and credit cards and personal checks.

Systems Conversion Your Touchstone FCU accounts will be transferred to Hanscom FCU accounts with the

same or comparable features. If you prefer a different account, please contact us and we will be happy to review all of your options.

Online and Mobile Banking Go to www.hfcu.org to enroll in our online banking system, Online Access HD. Watch

our short video for instructions at www.hfcu.org/onlinehd.

Once enrolled, you will need to re-establish any scheduled, recurring, and external transfer information you had with Touchstone@home. You will also need to add the companies and people you want to pay and schedule payments in Online Bill Pay.

October 2 (Monday) Welcome! Activate and begin using your new Hanscom FCU debit and credit cards.

Begin using your new Hanscom FCU personal checks. Destroy any remaining Touchstone FCU checks.

You can now access your accounts at any Hanscom FCU office and over 5,600 CO-OP Shared Branches nationwide as well as thousands of surcharge-free ATM locations. Find locations now at www.hfcu.org/locations.

Touchstone FCU branches in Wilmington and Cambridge will now be fully operational on Hanscom FCU’s system.

You can also call us anytime, toll-free, at 800-656-4328. 1

General Account Information

Will my member number change?

Yes, your new member number is printed on your member card which is attached to the enclosed Welcome Letter. It becomes effective on October 1, 2017.

What is your routing number?

Hanscom FCU’s routing number is

2113-8048-3. Your existing direct deposit

will automatically be converted. Please use

routing number 2113-8048-3 along with

your new Hanscom FCU member number

for any new direct deposit/withdrawals after

October 1, 2017.

What is the balance required to be a

member of Hanscom FCU?

As with Touchstone FCU, a $25 balance in

your Prime Share Savings account keeps

your membership active. So that you don’t

accidentally close your membership, your

available balance will reflect a hold of $25.

Will my accounts continue to be insured by

NCUA?

Yes. Your funds (including checking, savings,

money market accounts and certificates)

are insured up to $250,000. IRA accounts

are insured, separately from other accounts,

up to $250,000 per institution, including

principal and posted dividends. For more

details visit the NCUA web site at:

www.mycreditunion.gov or call us.

Will the fees change?

Most likely, your fees will decrease. Please

refer to the enclosed Account Fee Schedule

for details.

When will I receive my new Hanscom FCU

disclosures?

You’ll find your new deposit account

disclosures enclosed in this mailing. Please

read and retain them for your records.

If you currently have a Touchstone FCU

credit card, you will receive disclosures

for that account in a separate mailing by

September 1, 2017.

For answers to other questions, please visit www.hfcu.org/touchstone or call us at 800-656-4328.

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Savings AccountsWhat will happen to my direct deposit and

pre-authorized debits?

Your current direct deposits and pre-

authorized debits will be posted to your

equivalent new Hanscom FCU account.

How are dividends paid?

Dividends for savings are compounded daily

and paid monthly. Dividends for regular and

IRA Term Share Certificates are compounded

monthly and credited to your certificate

balance on the last day of the month.

Will my certificate rates be changing?

No. Rates on certificate accounts will remain

unchanged until maturity. You will receive

a maturity notice several weeks prior to

the maturity date. This letter will include

additional information for renewal options.

What will happen to my Individual

Retirement Account?

Individual Retirement Accounts (IRAs)

will transfer to an equivalent account at

Hanscom FCU. Account activity will appear

on your statement. Dividends will be paid

monthly and credited to your account on

the last day of the month.

Does Hanscom FCU offer savings accounts

specifically geared for kids?

Yes. We’ve designed our Kids CU specifically

for children age 16 and under. Three age-

appropriate clubs provide tools and help

you teach the children in your life about

money.

When will I receive tax reporting

information?

Tax reporting forms 1098 and 1099 will be

sent to you by January 31, 2018 and will

combine the amounts earned or paid from

both Touchstone and Hanscom FCUs for the

entire year.

How can I find the most current savings,

money market and certificate rates?

Please visit www.hfcu.org/rates or call

800-656-4328.

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Free CheckingTouchstone FCU Checking Accounts will be automatically

converted to Hanscom FCU’s Free Checking.

* with an ATM & Check (Debit) Card

Free Checking

Rewards with debit card purchases Free

Custom Hanscom Style Checks Free (one box per calendar year)

Non-Hanscom FCU ATM Transactions* 10 free per month per membership

ATM & Check (Debit) Card Free

Number of surcharge-free ATMs* Over 100,000

Online and Mobile Account Access Free

Online Bill Payment Free

Online Statements (seven year history) Free

Automated Telephone Teller Free

24/7 Call Center Access Free

Monthly Fee None

Our MemberPoints™ program rewards your everyday spending when you use

your ATM & Check Card. Your card is automatically enrolled for free. Purchases

made with your card earn MemberPoints that can be redeemed for gift cards,

travel, and merchandise. Learn more at www.hfcu.org/memberpoints.

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You will receive a complimentary order of personal checks.

• New Hanscom FCU checks will arrive by the fourth week of September.

• Touchstone FCU personal checks written until October 1, 2017 can be presented to us for processing until March 31, 2018.

• Begin using your new Hanscom FCU personal checks on October 2, 2017 and destroy your remaining Touchstone FCU checks.

You will receive a new ATM & Check Card if you had a Touchstone FCU debit card.

• You will be mailed a new Hanscom FCU Mastercard® ATM & Check Card by the third week of September. Joint accounts holders will receive a card number and three-digit security code that is different from that of the primary owner.

• Instructions for activating and using your new card will be included with the card.

• Your assigned Personal Identification Number (PIN) will be mailed in a separate mailing prior to receiving the card. Joint account holders will each receive their own PIN. The PIN is used to activate the card and will be needed to use it at ATMs as well as to make purchases at merchants.

• The mailer will contain instructions on selecting your own PIN once your card is activated.

• Activate and begin using your new Hanscom FCU ATM & Check Card on October 2, 2017.

• Your daily limits:

ATM withdrawal limit is $500

Purchase limit is $2,500

• If you currently use your card for recurring payments or have it on file with online merchants, you’ll need to provide your billers with your new card number, expiration date and, if requested, your three-digit security code.

100% Fraud Protection

• You are automatically covered by Mastercard’s Zero Liability Protection. If your card is lost or stolen and is used for fraudulent transactions, either in person or online, you will not be responsible for fraudulent activity.

Check and ATM & Check Cards

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Account Management What about statements?

If you currently receive paper statements,

we will mail you a final statement from

Touchstone FCU in October for the period

ending September 30, 2017. Your first

Hanscom FCU statement will be dated

October 31, 2017.

Online statements will be transferred to

Hanscom FCU Online Access HD. To view

them, you will need to enroll in Online

Access HD. Once you’ve enrolled you

will be able to view your Touchstone FCU

statements, even if you received paper

statements previously. You will also be able

to view your Hanscom FCU statements,

beginning with your October 31, 2017

statement.

How should I handle direct deposit, payroll

deductions, automatic payments, credits or

debits to my account?

We will notify all companies and institutions

that make direct deposits into or deductions

from your account. However, it is a good

idea to verify with them that your changes

have been noted.

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How do I access my account(s) online?

You will need to enroll in our online banking

system, Online Access HD. You will need

your new member number which is shown

on the membership card included with the

Welcome Letter that came with the mailing:

Go to www.hfcu.org

Click on Enroll in the Online Access HD box

Follow the prompts

During enrollment you will be asked

to create a Login ID and a new online

password.

Once enrolled you will be able to use Online

Access HD as well as our Hanscom FCU

Mobile Access app for iOS (iPhone® and

iPad®), Android® and Kindle Fire®.

Will I be able to view my Touchstone FCU

account history with Online Access HD?

Your account history through September 30,

2017 will not transfer to Hanscom FCU.

You will be able to view Touchstone FCU

online statements once you enroll in Online

Access HD.

If you wish to preserve account history,

please log on to Touchstone@home no later

than September 30, 2017, select the desired

account and then choose export. If you have

more than one account, you will need to

perform an export for each account.

Online and Mobile Banking

What will happen to my scheduled, external

and recurring transfers, and bill payments

made using Touchstone@home?

Scheduled, external, and recurring transfers

and bill payments that you set up online will

be processed through September 30, 2017

but will not automatically transfer to Hanscom

FCU. You will need to re-establish these

transfers once you enroll in Online Access HD.

What features or services are available with

Online Access HD?

Notifications and Alerts

• Receive email notifications of your

balances, cleared checks, maturing

certificates and more.

Online Statements

• View your Touchstone and Hanscom FCU

statements for up to 7 years.

Deposit checks from your desktop, tablet or

mobile device with EasyDeposit

• Make secure check deposits 24/7 from

any computer and scanner, tablet, or

mobile phone with our EasyDeposit

service.

Please note: It is important that we have your

current contact information on file. You will

not be able to complete a first time enrollment

or register your computer without at least one

valid contact on file. Contact the Wilmington

office of Touchstone FCU to verify/update your

information before September 15, 2017.

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Does Hanscom FCU offer coin counting

services?

Yes, at most branch locations. Visit

www.hfcu.org/locations for details.

Does Hanscom FCU offer free Notary

Service?

Yes, at most branch locations.

Where are branches located?

For a list of all branches, visit us online at

www.hfcu.org/locations.

How can I find the most current consumer

loan rates?

Please visit www.hfcu.org/rates or call

800-656-4328.

General Information

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Consumer Loans & Credit Cards

Loans and Lines of Credit

What will happen to my loans and lines of

credit?

The terms of your loans and lines of credit will

remain unchanged.

Will my automatic loan payment change?

Automatic loan payments made from your

Touchstone FCU account will continue as usual.

Loan payments set up as an online transfer

through Touchstone@home will be processed

through September 30, 2017. You will need to

re-establish these transfers once you enroll in

Hanscom FCU’s online banking system, Online

Access HD.

How can I make my loan, line of credit or

credit card payments?

• By mail-send payments to:

Hanscom Federal Credit Union 1610 Eglin Street Hanscom AFB, MA 01731

Please include your new member number

and loan number on the check.

• By bill pay service or by transfer from

another financial institution:

You will need to update your account number

and our payment address with your bill pay

service or financial institution.

Use your new member number and the 3

digit loan number as your account number.

• At a branch:

You can make loan payments at any Hanscom

FCU branch during business hours as well as

at over 5,600 CO-OP Shared Branches. Find

locations at www.hfcu.org/locations.

Credit Cards

Will I receive a new credit card?

Touchstone FCU credit card holders whose

accounts are in good standing will receive a

Hanscom FCU Platinum Mastercard credit card

between September 15 and 25. The card will

have a new card number, expiration date and

three-digit security code. Joint account holders

will receive a card with a card number and three-

digit security code that is different from that of

the primary holder.

You will also receive a Personal Identification

Number (PIN) in a separate mailing prior to

receiving your card. Joint account holders will

each receive their own PIN. The PIN is used to

activate the card and will be needed to use it at

ATMs as well as make purchases at merchants.

When are my credit card statement and

payment due dates?

Your statement date will be the last day of each

month.

Your payment due date will be the 25th of the

following month.

What if I use my card to pay recurring bills or

have it registered with an online merchant?

You’ll need to update billers or online retailers

with your new card number, expiration date and,

if requested, your three-digit security code.

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