Many people choose to punch in a PIN rather than signing for their transactions at a point-of-sale machine, believing that a PIN is a safer and more convenient choice. Some people believe that if they press “credit” to sign for the transaction, the charge will be posted to their credit card.While using a PIN is great when you need cash back, it is not the best choice for other purchases.

Here are some reasons why you should press "credit" instead of "debit":

• Funds still come from your checking account
• You don't have to enter your PIN in public
• Charge-back protection is available for purchases
• Maximum protection against fraud
• No transaction fees

Payroll Deduction
Make Your Savings Resolution a Sure Thing
Did you make a New Year's resolution to start saving in 2007? Why not make it a sure thing, with payroll deduction into your Georgia State University Federal Credit Union savings account? It's easy to pay yourself first and make breaking that resolution much tougher to do.

When you sign up for payroll deduction, you can authorize a monthly automatic transfer of an amount you choose to any of your Georgia State University FCU savings accounts, including:

• Holiday Savings Account
  
• Regular Share(Savings) Account
• Individual Retirement Account
• Money Market Account

For more information on opening a savings account or signing up for payroll deduction, call the credit union at (404)564-0351.

Has Your Contact Information Changed?
Please help us keep your records at Georgia State University Federal Credit Union up to date by asking for a change of address form. Updated information is key in our service delivery to you. Please make sure we have several telephone contacts in your file. We'll be glad to fax or mail a form to you if you are unable to stop by the credit union. For obvious security reasons, we don't allow record changes via the Internet or telephone.

• Complete the form.
• Sign the form.
• Stop by, fax or mail the form back to us.