Recent Changes for "USE Credit Union" - Davis Wikihttp://daviswiki.org/USE_Credit_UnionRecent Changes of the page "USE Credit Union" on Davis Wiki.en-us USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2014-10-21 22:31:22MaxLucasrevised <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 38: </td> <td> Line 38: </td> </tr> <tr> <td> <span>-</span> You can also deposit checks from your mobile phone by taking a photo. </td> <td> <span>+</span> You can also deposit checks from your mobile phone by taking a photo.<span>&nbsp;They have apps for iPhone and Android.</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2014-02-08 21:24:56MaxLucas <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 40: </td> <td> Line 40: </td> </tr> <tr> <td> <span>- <br> - = Member Referral Program</span>: <span>E</span>arn up to $150 cash<span>&nbsp;=<br> - You earn $25 for referring a new member and you can earn up to $150 cash</span>. The new member gets $25 for being referred. Get the form from their website. The new member must deposit at least $100 in the checking account and keep it open for 180 days. The new member can always take the money out later. Remember that membership fees are not being charged during this promotion. [http://www.usecu.org/home/mem/ref link] </td> <td> <span>+ They used to have a member referral program (not sure if this is still current)</span>: <span>You earn $25 for referring a new member and you can e</span>arn up to $150 cash. The new member gets $25 for being referred. Get the form from their website. The new member must deposit at least $100 in the checking account and keep it open for 180 days. The new member can always take the money out later. Remember that membership fees are not being charged during this promotion. [http://www.usecu.org/home/mem/ref link] </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2013-09-21 23:37:56MaxLucasdetails <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 38: </td> <td> Line 38: </td> </tr> <tr> <td> </td> <td> <span>+ You can also deposit checks from your mobile phone by taking a photo.<br> + </span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2012-09-27 10:57:17WilsonSauthoffbad phone number <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 10: </td> <td> Line 10: </td> </tr> <tr> <td> <span>-</span> || 866-USE-4-YOU, 866-<span>LOAN</span>-<span>NEW</span>|| </td> <td> <span>+</span> || 866-USE-4-YOU, 866-<span>873</span>-<span>4968</span>|| </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2012-04-24 17:33:29Angel.York(quick edit) <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 18: </td> <td> Line 18: </td> </tr> <tr> <td> <span>-</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. Family members and cohabitants of current members are also eligible. They offer free checking, free online banking, free online bill pay, free mobile banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. <span>You can scan your checks online and deposit them to your account.</span> They have various rewards programs [http://www.usecu.org/home/mem/ben], and free use of FinanceWorks, a program that allows you to view all of your finances from other banks in your USE online banking account. The Davis branch tends to have free fair trade coffee in tiny disposable cups for their customers. </td> <td> <span>+</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. Family members and cohabitants of current members are also eligible. They offer free checking, free online banking, free online bill pay, free mobile banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. They<span>&nbsp;also</span> have various rewards programs [http://www.usecu.org/home/mem/ben], and free use of FinanceWorks, a program that allows you to view all of your finances from other banks in your USE online banking account. The Davis branch tends to have free fair trade coffee in tiny disposable cups for their customers. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2012-04-24 17:30:22Angel.York(quick edit) <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 18: </td> <td> Line 18: </td> </tr> <tr> <td> <span>-</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. Family members and cohabitants of current members are also eligible. They offer free checking, free online banking, free online bill pay, free mobile banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. They<span>&nbsp;also</span> have various rewards programs [http://www.usecu.org/home/mem/ben], and free use of FinanceWorks, a program that allows you to view all of your finances from other banks in your USE online banking account. </td> <td> <span>+</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. Family members and cohabitants of current members are also eligible. They offer free checking, free online banking, free online bill pay, free mobile banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. <span>You can scan your checks online and deposit them to your account. </span>They have various rewards programs [http://www.usecu.org/home/mem/ben], and free use of FinanceWorks, a program that allows you to view all of your finances from other banks in your USE online banking account.<span>&nbsp;&nbsp;The Davis branch tends to have free fair trade coffee in tiny disposable cups for their customers.</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2012-01-14 21:35:13MaxLucas <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 23: </td> <td> Line 23: </td> </tr> <tr> <td> </td> <td> <span>+ <br> + Please note that if your account is inactive for 12 months, that a dormant account fee of $20 will be charged.</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-12-10 15:20:03StevenDaubertfax line <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 12: </td> <td> Line 12: </td> </tr> <tr> <td> <span>-</span> ||(530) 756-2803|| </td> <td> <span>+</span> ||(530) 756-2803<span>&nbsp;←fax line screams in your ear</span>|| </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-12-10 01:30:11MaxLucasfixed link <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 16: </td> <td> Line 16: </td> </tr> <tr> <td> <span>-</span> '''USE Credit Union''', the University and State Employees Credit Union, is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Credit unions are not-for-profit cooperatives that provide the same services as a bank. There is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-op<span>network</span>.org/<span>public</span>/<span>consumers/find_atm/index.cfm</span> Co-op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. That is over 28,000 free credit union ATMs as well as ["7-Eleven"] ATMs. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country. You can bank at over 4,000 credit union branches across all 50 states. You can even bank in person at the Golden 1 Credit Union branch since they are member of this network. </td> <td> <span>+</span> '''USE Credit Union''', the University and State Employees Credit Union, is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Credit unions are not-for-profit cooperatives that provide the same services as a bank. There is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-op<span>fs</span>.org/<span>b2c-homepage</span>/ Co-op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. That is over 28,000 free credit union ATMs as well as ["7-Eleven"] ATMs. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country. You can bank at over 4,000 credit union branches across all 50 states. You can even bank in person at the Golden 1 Credit Union branch since they are member of this network. </td> </tr> <tr> <td> Line 24: </td> <td> Line 24: </td> </tr> <tr> <td> <span>-</span> The Student Checking Account offers all of the same services as their regular Free Checking account, but with a reduced one-time sign-up fee. Both Free Checking and Student Checking have no minimum balance requirements, as long as you sign up for E-Statements rather than paper statements<span>; otherwise</span>, you must keep at least $500 in your account at all times, or pay a $5.95 fee. USE Credit Union would contend that they have some of the best benefits of any bank or credit union: no annual fee credit cards, no cash advance fees, no balance transfer fees, etc. There is a fee for receiving wire transfers, which is unusual for a credit union. However, many other banks in Davis charge for receiving wire transfers. Based on the fee policies and practices of the other banks in Davis, USE is still a very good place to bank with many benefits that for-profit banks do not offer. </td> <td> <span>+</span> The Student Checking Account offers all of the same services as their regular Free Checking account, but with a reduced one-time sign-up fee. Both Free Checking and Student Checking have no minimum balance requirements, as long as you sign up for E-Statements rather than paper statements<span>. If you do not sign up for E-statements</span>, you must keep at least $500 in your account at all times, or pay a $5.95 fee. USE Credit Union would contend that they have some of the best benefits of any bank or credit union: no annual fee credit cards, no cash advance fees, no balance transfer fees, etc. There is a fee for receiving wire transfers, which is unusual for a credit union. However, many other banks in Davis charge for receiving wire transfers. Based on the fee policies and practices of the other banks in Davis, USE is still a very good place to bank with many benefits that for-profit banks do not offer. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-11-25 23:28:17MaxLucasdetails <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 24: </td> <td> Line 24: </td> </tr> <tr> <td> <span>-</span> The Student Checking Account offers all of the same services as their regular Free Checking account, but with a reduced one-time sign-up fee. Both Free Checking and Student Checking have no minimum balance requirements, as long as you sign up for E-Statements rather than paper statements; otherwise, you must keep at least $500 in your account at all times, or pay a $5.95 fee. USE Credit Union would contend that they have some of the best benefits of any bank or credit union: <span>free Traveler's Checks, free cashier's checks, </span>no annual fee credit cards, no cash advance fees, no balance transfer fees, etc. There is a fee for receiving wire transfers, which is unusual for a credit union. However, many other banks in Davis charge for receiving wire transfers. Based on the fee policies and practices of the other banks in Davis, USE is still a very good place to bank with many benefits that for-profit banks do not offer. </td> <td> <span>+</span> The Student Checking Account offers all of the same services as their regular Free Checking account, but with a reduced one-time sign-up fee. Both Free Checking and Student Checking have no minimum balance requirements, as long as you sign up for E-Statements rather than paper statements; otherwise, you must keep at least $500 in your account at all times, or pay a $5.95 fee. USE Credit Union would contend that they have some of the best benefits of any bank or credit union: no annual fee credit cards, no cash advance fees, no balance transfer fees, etc. There is a fee for receiving wire transfers, which is unusual for a credit union. However, many other banks in Davis charge for receiving wire transfers. Based on the fee policies and practices of the other banks in Davis, USE is still a very good place to bank with many benefits that for-profit banks do not offer. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-11-25 22:51:20DougWalterPer their web site, not per observation <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 8: </td> <td> Line 8: </td> </tr> <tr> <td> <span>-</span> ||Sat: 9:00AM - <span>1</span>:00PM|| </td> <td> <span>+</span> ||Sat: 9:00AM - <span>4</span>:00PM|| </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-11-12 20:15:51zombiek <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 18: </td> <td> Line 18: </td> </tr> <tr> <td> <span>-</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. Family members and cohabitants of current members are also eligible. They offer free checking<span>(free box of checks</span> p<span>er year), free online banking, free online bill pay</span>, savings, money market, and many other basic ["Banks" financial services] to suit your needs. </td> <td> <span>+</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. Family members and cohabitants of current members are also eligible. They offer free checking<span>, free online banking, free online bill</span> p<span>ay, free mobile banking</span>, savings, money market, and many other basic ["Banks" financial services] to suit your needs.<span>&nbsp;They also have various rewards programs [http://www.usecu.org/home/mem/ben], and free use of FinanceWorks, a program that allows you to view all of your finances from other banks in your USE online banking account.</span> </td> </tr> <tr> <td> Line 20: </td> <td> Line 20: </td> </tr> <tr> <td> <span>- Their </span>S<span>tudent Checking account has no monthly fee, no minimum balance requirement,</span> one free overdraft per year. If you overdraft on your checking account, USE will transfer $100 from your linked savings, with a charge of $10 (there are no monthly or recurring fees for this service). Without this linked account overdraft protection, overdraft charges are $28 each. These charges are similar to those at big banks. You can also specify when you open your account whether you would like to simply have your debit card stop working when a charge would cause your account to overdraft.<span>&nbsp;Remember, USE gives you one free overdraft refund per year, so if you opt in to overdraft protection and you overdraw your account you won't pay have to pay any fees the first time.</span> </td> <td> <span>+ U</span>S<span>E allows</span> one free overdraft per year. If you overdraft on your checking account, USE will transfer $100 from your linked savings, with a charge of $10 (there are no monthly or recurring fees for this service). Without this linked account overdraft protection, overdraft charges are $28 each. These charges are similar to those at big banks. You can also specify when you open your account whether you would like to simply have your debit card stop working when a charge would cause your account to overdraft. </td> </tr> <tr> <td> Line 24: </td> <td> Line 24: </td> </tr> <tr> <td> <span>- USE Credit Union would contend that they have some of the best benefits of any bank or credit union: Free Traveler's Checks, free cashier's checks, no annual fee credit cards, no cash advance fees, no balance transfer fees, etc. There is a fee for receiving wire transfers, which is unusual for a credit union. However, many other banks in Davis charge for receiving wire transfers. Based on the fee policies and practices of the other banks in Davis, USE is still a very good place to bank with many benefits that for-profit banks do not offer.<br> - <br> - The non-student free checking account does not charge a monthly fee if you choose the Free Checking account and get electronic statements. If you want paper statements you will have a monthly fee unless you keep at least $500 in your account. Then you can avoid the monthly fee. There are many fee-free accounts here.</span> </td> <td> <span>+ The Student Checking Account offers all of the same services as their regular Free Checking account, but with a reduced one-time sign-up fee. Both Free Checking and Student Checking have no minimum balance requirements, as long as you sign up for E-Statements rather than paper statements; otherwise, you must keep at least $500 in your account at all times, or pay a $5.95 fee. USE Credit Union would contend that they have some of the best benefits of any bank or credit union: free Traveler's Checks, free cashier's checks, no annual fee credit cards, no cash advance fees, no balance transfer fees, etc. There is a fee for receiving wire transfers, which is unusual for a credit union. However, many other banks in Davis charge for receiving wire transfers. Based on the fee policies and practices of the other banks in Davis, USE is still a very good place to bank with many benefits that for-profit banks do not offer.</span> </td> </tr> <tr> <td> Line 30: </td> <td> Line 28: </td> </tr> <tr> <td> <span>-</span> The staff is very friendly and will remember your name because the Davis branch is not terribly busy, and you can usually get in and out quickly without any problems.<span><br> - <br> -</span> Their "866" customer service line is only staffed during branch business hours. </td> <td> <span>+</span> The staff is very friendly and will remember your name because the Davis branch is not terribly busy, and you can usually get in and out quickly without any problems. Their "866" customer service line is only staffed during branch business hours. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-11-12 19:59:46zombiekAdding specificity to discussion of overdraft protection. <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 20: </td> <td> Line 20: </td> </tr> <tr> <td> <span>- Their Student Checking account has no monthly fee, no minimum balance requirement, one free overdraft per year, and comes with one free box of checks per year. However, they will try to sell you overdraft protection which could incur fees even when you overdraw your account. Many banks and credit unions are trying to get their customers to opt into overdraft protection. If you do not want overdraft protection, you can always decline it. That way you won't pay any fees. It also means that if you don't have sufficient funds in your account, you will not be able to make purchases or your checks might bounce.</span> </td> <td> <span>+ Their Student Checking account has no monthly fee, no minimum balance requirement, one free overdraft per year. If you overdraft on your checking account, USE will transfer $100 from your linked savings, with a charge of $10 (there are no monthly or recurring fees for this service). Without this linked account overdraft protection, overdraft charges are $28 each. These charges are similar to those at big banks. You can also specify when you open your account whether you would like to simply have your debit card stop working when a charge would cause your account to overdraft. Remember, USE gives you one free overdraft refund per year, so if you opt in to overdraft protection and you overdraw your account you won't pay have to pay any fees the first time.</span> </td> </tr> <tr> <td> Line 22: </td> <td> Line 22: </td> </tr> <tr> <td> <span>- Remember, USE gives you one free overdraft refund per year, so if you opt in to overdraft protection and you overdraw your account you won't pay have to pay any fees the first time. This free overdraft could be very helpful in case you have an emergency and need money right away. It's like getting free emergency money.</span> </td> <td> <span>+ USE used to provide one free box of checks per year, but as of November 2011 tellers have reported that this policy has ended.</span> </td> </tr> <tr> <td> Line 24: </td> <td> Line 24: </td> </tr> <tr> <td> <span>-</span> USE Credit Union would contend that they have some of the best benefits of any bank or credit union: Free Traveler's Checks, free cashier's checks, no annual fee credit cards, no cash advance fees, no balance transfer fees, etc. <span>Nonetheless, the</span>y wi<span>ll still charge you to access your own money if you aren't careful by doing things such as overdrawing your account and spending money that you don't have</span>. <span>There is a fee for receiving wire transfers, which is unusual for a credit union. However, many other banks in Davis charge for receiving wire transfers. </span>Based on<span>&nbsp;a</span> the fee policies and practices of the other banks in Davis, USE is still a very good place to bank with many benefits that for-profit banks do not offer. </td> <td> <span>+</span> USE Credit Union would contend that they have some of the best benefits of any bank or credit union: Free Traveler's Checks, free cashier's checks, no annual fee credit cards, no cash advance fees, no balance transfer fees, etc. <span>There is a fee for receiving wire transfers, which is unusual for a credit union. However, man</span>y <span>other banks in Davis charge for receiving </span>wi<span>re transfers</span>. Based on the fee policies and practices of the other banks in Davis, USE is still a very good place to bank with many benefits that for-profit banks do not offer. </td> </tr> <tr> <td> Line 26: </td> <td> Line 26: </td> </tr> <tr> <td> <span>-</span> The non-student free checking account does not charge a monthly fee if you choose the Free Checking account and get electronic statements. If you want paper statements you will have a monthly fee unless you keep at least $500 in your account. Then you can avoid the monthly fee. There are many fee<span>&nbsp;free accounts here, and all checking accounts offer a free box of checks per year</span>. </td> <td> <span>+</span> The non-student free checking account does not charge a monthly fee if you choose the Free Checking account and get electronic statements. If you want paper statements you will have a monthly fee unless you keep at least $500 in your account. Then you can avoid the monthly fee. There are many fee<span>-free accounts here</span>. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-10-09 00:14:46MaxLucasdetails <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 20: </td> <td> Line 20: </td> </tr> <tr> <td> <span>-</span> Their Student Checking account has no monthly fee, no minimum balance requirement, one free overdraft per year, and comes with one free box of checks per year. However, they will try to sell you overdraft protection which could incur fees even when you overdraw your account, <span>and are far from honest a</span>b<span>out this when you open an account</span>. Remember, USE gives you one free overdraft refund per year, so if you overdraw your account you won't pay have to pay any fees the first time. This free overdraft could be very helpful in case you have an emergency and need money right away. It's like getting free emergency money. </td> <td> <span>+</span> Their Student Checking account has no monthly fee, no minimum balance requirement, one free overdraft per year, and comes with one free box of checks per year. However, they will try to sell you overdraft protection which could incur fees even when you overdraw your account<span>. Many banks and credit unions are trying to get their customers to opt into overdraft protection. If you do not want overdraft protection</span>, <span>you can always decline it. That way you won't pay any fees. It also means that if you don't have sufficient funds in your account, you will not </span>b<span>e able to make purchases or your checks might bounce</span>.<span><br> + <br> +</span> Remember, USE gives you one free overdraft refund per year, so if you o<span>pt in to overdraft protection and you o</span>verdraw your account you won't pay have to pay any fees the first time. This free overdraft could be very helpful in case you have an emergency and need money right away. It's like getting free emergency money. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-10-04 17:54:26MaxLucas <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 22: </td> <td> Line 22: </td> </tr> <tr> <td> <span>-</span> USE Credit Union would contend that they have some of the best benefits of any bank or credit union: Free Traveler's Checks, free cashier's checks, no annual fee credit cards, no cash advance fees, no balance transfer fees, etc. Nonetheless, they will still charge you to access your own money if you aren't careful. There is a fee for receiving wire transfers, which is unusual for a credit union. However, many banks charge for receiving wire transfers. </td> <td> <span>+</span> USE Credit Union would contend that they have some of the best benefits of any bank or credit union: Free Traveler's Checks, free cashier's checks, no annual fee credit cards, no cash advance fees, no balance transfer fees, etc. Nonetheless, they will still charge you to access your own money if you aren't careful<span>&nbsp;by doing things such as overdrawing your account and spending money that you don't have</span>. There is a fee for receiving wire transfers, which is unusual for a credit union. However, many <span>other </span>banks <span>in Davis </span>charge for receiving wire transfers.<span>&nbsp;Based on a the fee policies and practices of the other banks in Davis, USE is still a very good place to bank with many benefits that for-profit banks do not offer.</span> </td> </tr> <tr> <td> Line 36: </td> <td> Line 36: </td> </tr> <tr> <td> <span>-</span> You can scan and deposit checks online to your accounts from any computer with a scanner, as you can a small number of other banks. However, you have to have had the account open for a while before they let you do this. </td> <td> <span>+</span> You can scan and deposit checks online to your accounts from any computer with a scanner, as you can <span>with </span>a small number of other banks. However, you have to have had the account open for a while before they let you do this. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-10-04 17:51:03MaxLucasmembers still get 1 free overdraft per year <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 20: </td> <td> Line 20: </td> </tr> <tr> <td> <span>- Their Student Checking account has no monthly fee, no minimum balance requirement, one free overdraft per year, and comes with one free box of checks per year. However, they will try to sell you overdraft protection which incurs substantial fees even when you aren't actually going overdrawn, and are far from honest about this when you open an account.</span> </td> <td> <span>+ Their Student Checking account has no monthly fee, no minimum balance requirement, one free overdraft per year, and comes with one free box of checks per year. However, they will try to sell you overdraft protection which could incur fees even when you overdraw your account, and are far from honest about this when you open an account. Remember, USE gives you one free overdraft refund per year, so if you overdraw your account you won't pay have to pay any fees the first time. This free overdraft could be very helpful in case you have an emergency and need money right away. It's like getting free emergency money.</span> </td> </tr> <tr> <td> Line 22: </td> <td> Line 22: </td> </tr> <tr> <td> <span>-</span> USE Credit Union would contend that they have some of the best benefits of any bank or credit union: Free Traveler's Checks, free cashier's checks, no annual fee credit cards, no cash advance fees, no balance transfer fees, etc. Nonetheless, they will still charge you to access your own money if you aren't careful. There is a fee for receiving wire transfers, which is unusual for a credit union. </td> <td> <span>+</span> USE Credit Union would contend that they have some of the best benefits of any bank or credit union: Free Traveler's Checks, free cashier's checks, no annual fee credit cards, no cash advance fees, no balance transfer fees, etc. Nonetheless, they will still charge you to access your own money if you aren't careful. There is a fee for receiving wire transfers, which is unusual for a credit union.<span>&nbsp;However, many banks charge for receiving wire transfers.</span> </td> </tr> <tr> <td> Line 36: </td> <td> Line 36: </td> </tr> <tr> <td> <span>- You can scan and deposit checks online to your accounts from any computer with a scanner, as you can with most bank accounts. However, you have to have had the account open for a while before they let you do this.</span> </td> <td> <span>+ You can scan and deposit checks online to your accounts from any computer with a scanner, as you can a small number of other banks. However, you have to have had the account open for a while before they let you do this.</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-10-04 02:24:15FrancisJervisBased on personal experience. <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 20: </td> <td> Line 20: </td> </tr> <tr> <td> <span>-</span> Their Student Checking account has no monthly fee, no minimum balance requirement, one free overdraft per year, and comes with one free box of checks per year. </td> <td> <span>+</span> Their Student Checking account has no monthly fee, no minimum balance requirement, one free overdraft per year, and comes with one free box of checks per year.<span>&nbsp;However, they will try to sell you overdraft protection which incurs substantial fees even when you aren't actually going overdrawn, and are far from honest about this when you open an account.</span> </td> </tr> <tr> <td> Line 22: </td> <td> Line 22: </td> </tr> <tr> <td> <span>-</span> USE Credit Union <span>has</span> some of the best benefits of any bank or credit union: Free Traveler's Checks, free cashier's checks, no annual fee credit cards, no cash advance fees, no balance transfer fees, etc. </td> <td> <span>+</span> USE Credit Union <span>would contend that they have</span> some of the best benefits of any bank or credit union: Free Traveler's Checks, free cashier's checks, no annual fee credit cards, no cash advance fees, no balance transfer fees, etc.<span>&nbsp;Nonetheless, they will still charge you to access your own money if you aren't careful. There is a fee for receiving wire transfers, which is unusual for a credit union.</span> </td> </tr> <tr> <td> Line 26: </td> <td> Line 26: </td> </tr> <tr> <td> <span>-</span> This branch can print new and replacement ATM and Debit cards for you in just a matter of minutes. You don't have to wait for a card in the mail like at other places. </td> <td> <span>+</span> This branch can print new and replacement ATM and Debit cards for you in just a matter of minutes. You don't have to wait for a card in the mail like at other places<span>, although this is far from unique</span>. </td> </tr> <tr> <td> Line 36: </td> <td> Line 36: </td> </tr> <tr> <td> <span>-</span> You can scan and deposit checks online to your accounts from any computer with a scanner. </td> <td> <span>+</span> You can scan and deposit checks online to your accounts from any computer with a scanner<span>, as you can with most bank accounts</span>.<span>&nbsp;However, you have to have had the account open for a while before they let you do this.</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-09-13 12:47:51shiaohwongComment added. <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 53: </td> <td> Line 53: </td> </tr> <tr> <td> </td> <td> <span>+ ------<br> + ''2011-09-13 12:47:51'' [[nbsp]] I have an auto loan with USE and I thought I have been happy with the low interest rate they offered ... well, it is not until now. I just found out I've been charged additional $8 per month approximately for a credit protection plan that we've never agreed to. When I called USE's customer service, they said we signed it on a pre-printed legal form. To cancel it, there is no faster way... I have to mail in a written cancellation to their head quarter address and then it will take 5 business days to process. In the past 22 years, I have always declined credit protection plans and have never been mistakenly charged for it. To USE, it may be legal on paper. However, it is not legal in the customer's mind. --["Users/shiaohwong"]</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-07-28 00:11:25MaxLucasdetails <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 16: </td> <td> Line 16: </td> </tr> <tr> <td> <span>-</span> '''USE Credit Union''', the University and State Employees Credit Union, is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Credit unions are not-for-profit cooperatives that provide the same services as a bank. There is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-<span>O</span>p Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. That is over 28,000 free credit union ATMs as well as ["7-Eleven"] ATMs. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country. You can bank at over 4,000 credit union branches across all 50 states. You can even bank in person at the Golden 1 Credit Union branch since they are member of this network. </td> <td> <span>+</span> '''USE Credit Union''', the University and State Employees Credit Union, is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Credit unions are not-for-profit cooperatives that provide the same services as a bank. There is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-<span>o</span>p Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. That is over 28,000 free credit union ATMs as well as ["7-Eleven"] ATMs. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country. You can bank at over 4,000 credit union branches across all 50 states. You can even bank in person at the Golden 1 Credit Union branch since they are member of this network. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-06-25 17:58:39MaxLucasmore detail <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 25: </td> <td> Line 25: </td> </tr> <tr> <td> </td> <td> <span>+ <br> + This branch can print new and replacement ATM and Debit cards for you in just a matter of minutes. You don't have to wait for a card in the mail like at other places.</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-05-29 20:24:22MaxLucas <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 22: </td> <td> Line 22: </td> </tr> <tr> <td> <span>-</span> USE Credit Union has some of the best benefits of any bank or credit union: Free Traveler's Checks, free cashier's checks, <span>free foreign c</span>u<span>rrency exchange on credit card transactions, no annu</span>al fee credit cards, no cash advance fees, no balance transfer fees, etc. </td> <td> <span>+</span> USE Credit Union has some of the best benefits of any bank or credit union: Free Traveler's Checks, free cashier's checks, <span>no ann</span>ual fee credit cards, no cash advance fees, no balance transfer fees, etc. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-05-29 19:30:23MaxLucasmore info <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 21: </td> <td> Line 21: </td> </tr> <tr> <td> </td> <td> <span>+ <br> + USE Credit Union has some of the best benefits of any bank or credit union: Free Traveler's Checks, free cashier's checks, free foreign currency exchange on credit card transactions, no annual fee credit cards, no cash advance fees, no balance transfer fees, etc.</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-03-08 16:44:10KBathoryComment added. <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 47: </td> <td> Line 47: </td> </tr> <tr> <td> </td> <td> <span>+ ------<br> + ''2011-03-08 15:44:10'' [[nbsp]] USE was my parents' bank and I opened my savings account with them when I was 11, which I've since had for 10 years. I've had nothing but great experiences with them and it makes me glad I don't have to deal with all the bull at the big banks. I've never had to wait more than a couple minutes in line, and 90% of the time I'm in and out within 3 minutes. They even have an on-site card printer so if you need a new ATM card or anything like that you can get it in 10 minutes instead of two weeks. --["Users/KBathory"]</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-01-21 22:50:27MaxLucasmore info <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 16: </td> <td> Line 16: </td> </tr> <tr> <td> <span>-</span> '''USE Credit Union''', the University and State Employees Credit Union, is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. <span>Unfortunately, t</span>here is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. That is over 28,000 free credit union ATMs as well as ["7-Eleven"] ATMs. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country. You can bank at over 4,000 credit union branches across all 50 states. </td> <td> <span>+</span> '''USE Credit Union''', the University and State Employees Credit Union, is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. <span>Credit unions are not-for-profit cooperatives that provide the same services as a bank. T</span>here is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. That is over 28,000 free credit union ATMs as well as ["7-Eleven"] ATMs. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country. You can bank at over 4,000 credit union branches across all 50 states.<span>&nbsp;You can even bank in person at the Golden 1 Credit Union branch since they are member of this network.</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-01-21 22:32:17MaxLucasmore detail <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 30: </td> <td> Line 30: </td> </tr> <tr> <td> </td> <td> <span>+ Credit unions are insured by the NCUA (National Credit Union Administration). This insurance is just like the FDIC insurance for banks and your money is insured up to $250,000. Your money is just as safe and secure at a credit union as at a bank.<br> + </span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-01-12 04:28:55MaxLucasmore detail <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 16: </td> <td> Line 16: </td> </tr> <tr> <td> <span>-</span> '''USE Credit Union''', the University and State Employees Credit Union, is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Unfortunately, there is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country. You can bank at over 4,000 credit union branches across all 50 states. </td> <td> <span>+</span> '''USE Credit Union''', the University and State Employees Credit Union, is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Unfortunately, there is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee<span>. That is over 28,000 free credit union ATMs as well as ["7-Eleven"] ATMs</span>. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country. You can bank at over 4,000 credit union branches across all 50 states. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-01-12 00:40:08MaxLucashighlighted Member Referral $150 Cash Bonus <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 32: </td> <td> Line 32: </td> </tr> <tr> <td> <span>- You earn $25 for referring a new member and you can e</span>arn up to $150 cash. The new member gets $25 for being referred. Get the form from their website. The new member must deposit at least $100 in the checking account and keep it open for 180 days. The new member can always take the money out later. Remember that membership fees are not being charged during this promotion. </td> <td> <span>+ <br> + = Member Referral Program: E</span>arn up to $150 cash<span>&nbsp;=<br> + You earn $25 for referring a new member and you can earn up to $150 cash</span>. The new member gets $25 for being referred. Get the form from their website. The new member must deposit at least $100 in the checking account and keep it open for 180 days. The new member can always take the money out later. Remember that membership fees are not being charged during this promotion.<span>&nbsp;[http://www.usecu.org/home/mem/ref link]</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-01-10 21:46:27MaxLucasmore detail <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 16: </td> <td> Line 16: </td> </tr> <tr> <td> <span>-</span> '''USE Credit Union''', the University and State Employees Credit Union, is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Unfortunately, there is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country. </td> <td> <span>+</span> '''USE Credit Union''', the University and State Employees Credit Union, is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Unfortunately, there is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country.<span>&nbsp;You can bank at over 4,000 credit union branches across all 50 states.</span> </td> </tr> <tr> <td> Line 18: </td> <td> Line 18: </td> </tr> <tr> <td> <span>-</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. Family members and cohabitants of current members are also eligible. They offer free checking(free box of checks per year), online banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. </td> <td> <span>+</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. Family members and cohabitants of current members are also eligible. They offer free checking(free box of checks per year), <span>free </span>online banking, <span>free online bill pay, </span>savings, money market, and many other basic ["Banks" financial services] to suit your needs. </td> </tr> <tr> <td> Line 22: </td> <td> Line 22: </td> </tr> <tr> <td> <span>- The non-student checking account does not charge a monthly fee if you keep $500 in your account or if you choose the Free Checking account and get electronic statements. There are many fee free accounts here, and all checking accounts offer a free box of checks per year.</span> </td> <td> <span>+ The non-student free checking account does not charge a monthly fee if you choose the Free Checking account and get electronic statements. If you want paper statements you will have a monthly fee unless you keep at least $500 in your account. Then you can avoid the monthly fee. There are many fee free accounts here, and all checking accounts offer a free box of checks per year.</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-01-06 21:54:03MaxLucasmore info on the $150 cash bonus <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 32: </td> <td> Line 32: </td> </tr> <tr> <td> <span>-</span> You <span>get</span> $25 for referring a new member<span>. This is</span> up to $150 cash. The new member gets $25 for being referred. Get the form from their website. </td> <td> <span>+</span> You <span>earn</span> $25 for referring a new member<span>&nbsp;and you can earn</span> up to $150 cash. The new member gets $25 for being referred. Get the form from their website.<span>&nbsp;The new member must deposit at least $100 in the checking account and keep it open for 180 days. The new member can always take the money out later. Remember that membership fees are not being charged during this promotion.</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-01-05 20:46:49MaxLucas <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 30: </td> <td> Line 30: </td> </tr> <tr> <td> </td> <td> <span>+ You can scan and deposit checks online to your accounts from any computer with a scanner.<br> + </span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-01-05 17:58:26MaxLucas <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 18: </td> <td> Line 18: </td> </tr> <tr> <td> <span>-</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. They offer free checking(free box of checks per year), online banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. </td> <td> <span>+</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. <span>Family members and cohabitants of current members are also eligible. </span>They offer free checking(free box of checks per year), online banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-01-05 17:42:42MaxLucas <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 30: </td> <td> Line 30: </td> </tr> <tr> <td> <span>-</span> You get $25 for referring a new member. This is up to $150 cash. The new member gets $25 for being referred. </td> <td> <span>+</span> You get $25 for referring a new member. This is up to $150 cash. The new member gets $25 for being referred.<span>&nbsp;Get the form from their website.</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2011-01-05 17:41:44MaxLucas$25 for referring a new member up to $150 cash. New member gets $25. <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 30: </td> <td> Line 30: </td> </tr> <tr> <td> </td> <td> <span>+ You get $25 for referring a new member. This is up to $150 cash. The new member gets $25 for being referred.<br> + </span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2010-09-30 10:46:46KyleSheedy <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 10: </td> <td> Line 10: </td> </tr> <tr> <td> <span>-</span> ||<span>(530) 758-3306,</span> 866-USE-4-YOU, 866-LOAN-NEW|| </td> <td> <span>+</span> || 866-USE-4-YOU, 866-LOAN-NEW|| </td> </tr> <tr> <td> Line 16: </td> <td> Line 16: </td> </tr> <tr> <td> <span>-</span> '''USE Credit Union''', the University and State Employees Credit Union, is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Unfortunately, there is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country.<span>&nbsp;&nbsp;The security guard is a portly fellow who sits on a stool and is a decent guy to chat with.</span> </td> <td> <span>+</span> '''USE Credit Union''', the University and State Employees Credit Union, is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Unfortunately, there is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country. </td> </tr> <tr> <td> Line 24: </td> <td> Line 24: </td> </tr> <tr> <td> <span>- Point of sale debit costs 25 cents.<br> - </span> </td> <td> </td> </tr> <tr> <td> Line 29: </td> <td> Line 27: </td> </tr> <tr> <td> </td> <td> <span>+ <br> + There is no longer a 25 cent charge when using the debit portion of your card, so please disregard that portion of the comment below.</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2010-07-23 16:46:45CovertProfessordeleting spam <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 39: </td> <td> Line 39: </td> </tr> <tr> <td> <span>- ------<br> - ''2010-07-23 16:41:21'' [[nbsp]] yup all the employees are super friendly! [http://www.financialcrisis2009.org financial crisis] --["Users/darkcow"]</span> </td> <td> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2010-07-23 16:41:58darkcow(quick edit) <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 40: </td> <td> Line 40: </td> </tr> <tr> <td> <span>-</span> ''2010-07-23 16:41:21'' [[nbsp]] yup all the employees are super friendly! <span>&lt;a href="</span>http://www.financialcrisis2009.org<span>"&gt;</span>financial crisis<span>&lt;/a&gt;</span> --["Users/darkcow"] </td> <td> <span>+</span> ''2010-07-23 16:41:21'' [[nbsp]] yup all the employees are super friendly! <span>[</span>http://www.financialcrisis2009.org<span>&nbsp;</span>financial crisis<span>]</span> --["Users/darkcow"] </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2010-07-23 16:41:21darkcowComment added. <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 39: </td> <td> Line 39: </td> </tr> <tr> <td> </td> <td> <span>+ ------<br> + ''2010-07-23 16:41:21'' [[nbsp]] yup all the employees are super friendly! &lt;a href="http://www.financialcrisis2009.org"&gt;financial crisis&lt;/a&gt; --["Users/darkcow"]</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2010-07-15 18:01:57MaxLucaspoint of sale debit 25 cents <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 24: </td> <td> Line 24: </td> </tr> <tr> <td> </td> <td> <span>+ Point of sale debit costs 25 cents.<br> + </span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2010-05-25 18:34:22MaxLucasminor edit <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 22: </td> <td> Line 22: </td> </tr> <tr> <td> <span>- The non-student checking account does not charge a monthly fee if you keep $500 in your account. However, since most people on the wiki are students, this monthly fee does not apply.</span> </td> <td> <span>+ The non-student checking account does not charge a monthly fee if you keep $500 in your account or if you choose the Free Checking account and get electronic statements. There are many fee free accounts here, and all checking accounts offer a free box of checks per year.</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2010-05-25 16:41:27MaxLucas <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 20: </td> <td> Line 20: </td> </tr> <tr> <td> <span>-</span> Their Student Checking account has no monthly fee, no minimum balance requirement, one free overdraft per year, and comes with one free <span>free </span>box of checks per year. </td> <td> <span>+</span> Their Student Checking account has no monthly fee, no minimum balance requirement, one free overdraft per year, and comes with one free box of checks per year. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2010-05-25 15:58:40MaxLucasadded info on accounts <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 18: </td> <td> Line 18: </td> </tr> <tr> <td> <span>-</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. They offer free checking(free box of checks per year), online banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. The<span>&nbsp;staff is </span>ver<span>y friendly and</span> will remember your name because the Davis branch is not terribly busy, and you can usually get in and out quickly without any problems. </td> <td> <span>+</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. They offer free checking(free box of checks per year), online banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs.<span><br> + <br> +</span> The<span>ir Student Checking account has no monthly fee, no minimum balance requirement, one free o</span>ver<span>draft per year, and comes</span> wi<span>th one free free box of checks per year.<br> + <br> + The non-student checking account does not charge a monthly fee if you keep $500 in your account. However, since most people on the wiki are students, this monthly fee does not apply.<br> + <br> + The staff is very friendly and wi</span>ll remember your name because the Davis branch is not terribly busy, and you can usually get in and out quickly without any problems. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2010-05-25 15:48:53MaxLucasfree box of checks per year <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 18: </td> <td> Line 18: </td> </tr> <tr> <td> <span>-</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. They offer free checking, online banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. The staff is very friendly and will remember your name because the Davis branch is not terribly busy, and you can usually get in and out quickly without any problems. </td> <td> <span>+</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. They offer free checking<span>(free box of checks per year)</span>, online banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. The staff is very friendly and will remember your name because the Davis branch is not terribly busy, and you can usually get in and out quickly without any problems. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2010-05-25 15:42:33MaxLucasgrammar <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 18: </td> <td> Line 18: </td> </tr> <tr> <td> <span>-</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. They offer free checking, online banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. The staff <span>are</span> very friendly and will remember your name because the Davis branch is not terribly busy, and you can usually get in and out quickly without any problems. </td> <td> <span>+</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of ["Yolo County" Yolo], ["Sacramento"], Alameda, Santa Clara, or San Diego counties to be eligible to open an account. They offer free checking, online banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. The staff <span>is</span> very friendly and will remember your name because the Davis branch is not terribly busy, and you can usually get in and out quickly without any problems. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2010-02-10 09:21:12Furly707Comment added. <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 29: </td> <td> Line 29: </td> </tr> <tr> <td> </td> <td> <span>+ ------<br> + ''2010-02-10 08:21:12'' [[nbsp]] Four months ago USE began charging my account $3 per month, and because I receive quarterly statements I did not realize my account was being charged until three charges had already occured. I called USE to inquire, and was told that the minimum balance requirement had been increased, rendering my balance below the minumum and thus subject to the monthly charge. I was never notified of any change in minimum balance, and needless to say was quite irritated by these under-handed tactics. I requested that USE credit the $9.00 that was charged to my account over the past 3 months and they flat out refused. So long story short, USE has lost my business for life over $9.00 and will never be recommended by me to ANYBODY. AVOID THIS BANK LIKE THE PLAGUE!!!!!!!!!! --["Users/Furly707"]</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2009-11-16 07:21:02robinlaughlinMap location(s) modifiedUSE Credit Unionhttp://daviswiki.org/USE_Credit_Union2009-11-16 07:21:02robinlaughlin <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 3: </td> <td> Line 3: </td> </tr> <tr> <td> <span>- || 200 ["B Street"]||</span> </td> <td> <span>+ || [[Address(200 ["B Street"])]], across from ["Black Bear Diner"]||</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2009-07-22 16:24:07rdknitsComment added. <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 27: </td> <td> Line 27: </td> </tr> <tr> <td> </td> <td> <span>+ ------<br> + ''2009-07-22 16:24:07'' [[nbsp]] I have not had bad experiences with the people at the davis branch bank in particular. they do really do their best to get you where you need to be - where I have had trouble is their online banking/actually putting transactions through in the order they occur. It's awful and you can never tell where a fee comes from and which debit/charge/check it should apply to - also, they charge a 25cents fee to use debit no matter what and if you don't use debit you run into the above stated misorder of transactions which most often leads to more fees assessed on their end. all in all, as soon as i can get an account with a different bank i will. I am tired of going to the bank to check on my account and having even the friendly staff at a loss as to tell me what happened and why. --["Users/rdknits"]</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2008-09-27 08:01:12DougWalterIf he answers, you're chatting WITH, not to <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 16: </td> <td> Line 16: </td> </tr> <tr> <td> <span>-</span> '''USE Credit Union''', the University and State Employees Credit Union, is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Unfortunately, there is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country. The security guard is a portly fellow who sits on a stool and is a decent guy to chat <span>to.</span> </td> <td> <span>+</span> '''USE Credit Union''', the University and State Employees Credit Union, is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Unfortunately, there is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country. The security guard is a portly fellow who sits on a stool and is a decent guy to chat <span>with.</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2008-08-29 15:15:47shoshaComment added. <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 25: </td> <td> Line 25: </td> </tr> <tr> <td> </td> <td> <span>+ ------<br> + ''2008-08-29 15:15:47'' [[nbsp]] USE Credit Union is GREAT. All the employees are super friendly and going in there is always quick and easy and pleasant. I went in today with a pretty strange request having to do with the lease I submitted for address verification when I opened my account last year (See my comment about Acadian Properties - and PLEASE STAY AWAY from them), and Kyle went out of his way to help me out without ever making me feel like I was being difficult in any way. I came in close to tears after being treated like some kind of criminal at Acadian, and USE reminded me that good customer service actually does exist in some places. Kyle was genuine and helpful and competent, and I feel like I can say the same for everyone else I have dealt with at USE also. --["Users/shosha"]</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2007-05-31 16:38:03KeithBradnamComment added. <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 23: </td> <td> Line 23: </td> </tr> <tr> <td> </td> <td> <span>+ ------<br> + ''2007-05-31 16:38:03'' [[nbsp]] I've never known a bank which always has so many staff working the counters. Most times I go in, there are no other customers but always 3-4 counters available. Maybe it never seems busy because the queues disappear very quickly! --["Users/KeithBradnam"]</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2007-02-10 15:45:11JabberWokky^integrated comments, formatting <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 16: </td> <td> Line 16: </td> </tr> <tr> <td> <span>- </span>USE <span>(</span>University and State Employees Credit Union<span>)</span> is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Unfortunately, there is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country. </td> <td> <span>+ '''</span>USE <span>Credit Union''', the </span>University and State Employees Credit Union<span>,</span> is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Unfortunately, there is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country.<span>&nbsp;&nbsp;The security guard is a portly fellow who sits on a stool and is a decent guy to chat to.</span> </td> </tr> <tr> <td> Line 20: </td> <td> Line 20: </td> </tr> <tr> <td> </td> <td> <span>+ Their "866" customer service line is only staffed during branch business hours.<br> + </span> </td> </tr> <tr> <td> Line 21: </td> <td> Line 23: </td> </tr> <tr> <td> <span>- ------<br> - <br> - It seems that they have a got a security guard now, he's a portly fellow who sits on a stool, he seems to be a decent guy when chatted with. --["StevenDaubert"]<br> - ------<br> - ''2007-02-10 14:06:51'' [[nbsp]] Their "866" customer service line is only staffed during branch business hours. --["DukeMcAdow"]</span> </td> <td> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2007-02-10 15:07:36DukeMcAdowclarifying my comment <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 25: </td> <td> Line 25: </td> </tr> <tr> <td> <span>-</span> ''2007-02-10 14:06:51'' [[nbsp]] Their customer service line is only staffed during branch business hours. --["DukeMcAdow"] </td> <td> <span>+</span> ''2007-02-10 14:06:51'' [[nbsp]] Their<span>&nbsp;"866"</span> customer service line is only staffed during branch business hours. --["DukeMcAdow"] </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2007-02-10 15:06:51DukeMcAdowComment added. <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 24: </td> <td> Line 24: </td> </tr> <tr> <td> </td> <td> <span>+ ------<br> + ''2007-02-10 14:06:51'' [[nbsp]] Their customer service line is only staffed during branch business hours. --["DukeMcAdow"]</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2007-02-10 15:05:41DukeMcAdowAdded "Comments" section <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 20: </td> <td> Line 20: </td> </tr> <tr> <td> </td> <td> <span>+ [[Comments]]<br> + ------<br> + </span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2007-02-10 02:34:40StevenDaubertsecurity guard <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 19: </td> <td> Line 19: </td> </tr> <tr> <td> </td> <td> <span>+ <br> + It seems that they have a got a security guard now, he's a portly fellow who sits on a stool, he seems to be a decent guy when chatted with. --["StevenDaubert"]</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2006-08-09 10:34:18AndrewChenWeds hours <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 5: </td> <td> Line 5: </td> </tr> <tr> <td> <span>-</span> ||Mon<span>-</span>Thu: 9:00AM - 5:00PM||<br> <span>-</span> ||Wed: 10:00AM - 5:00PM<span>&nbsp;(starting July 1, 2006)</span>|| </td> <td> <span>+</span> ||Mon<span>, Tues, </span>Thu: 9:00AM - 5:00PM||<br> <span>+</span> ||Wed: 10:00AM - 5:00PM|| </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2006-06-08 20:35:22AndrewChenNew hours <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 6: </td> <td> Line 6: </td> </tr> <tr> <td> </td> <td> <span>+ ||Wed: 10:00AM - 5:00PM (starting July 1, 2006)||</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2006-06-07 00:13:12TomNelsonAdded photo <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 1: </td> <td> Line 1: </td> </tr> <tr> <td> </td> <td> <span>+ [[Image(USECU.jpg, right, 325, thumbnail)]]</span> </td> </tr> <tr> <td> Line 14: </td> <td> Line 15: </td> </tr> <tr> <td> <span>-</span> USE (University and State Employees Credit Union) is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Unfortunately, there is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country.<span>&nbsp;</span> </td> <td> <span>+</span> USE (University and State Employees Credit Union) is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the ["University of California"] and Cal State University systems. Unfortunately, there is only one branch in ["Davis"] at the location listed above. However, USE has ["ATMs"] on ["campus"] and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. You can also do in-branch business at any [http://www.creditunion.net/ CU Service Center"] around the country. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2006-06-07 00:12:03TomNelsonUpload of image <a href="http://daviswiki.org/USE_Credit_Union?action=Files&do=view&target=USECU.jpg">USECU.jpg</a>.USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2006-04-24 20:31:20AndrewChen+Links; clarification <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 14: </td> <td> Line 14: </td> </tr> <tr> <td> <span>-</span> USE (University and State Employees Credit Union) is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the <span>University of California</span> and Cal State University systems. Unfortunately, there is only one branch in Davis at the location listed above. However, USE has ATMs<span>&nbsp;on </span>campus and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. <span>&nbsp;Also, any Co</span>-<span>Op Network </span>branch <span>can access an account in the network, so you can walk into any CU </span>b<span>ranch and do business.</span> </td> <td> <span>+</span> USE (University and State Employees Credit Union) is the only ["Credit Unions" credit union] established specifically to serve the needs of students and employees of the <span>["University of California"]</span> and Cal State University systems. Unfortunately, there is only one branch in <span>["</span>Davis<span>"]</span> at the location listed above. However, USE has <span>["</span>ATMs<span>"] on ["</span>campus<span>"]</span> and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. <span>You can also do in</span>-branch b<span>usiness at any [http://www.creditunion.net/ CU Service Center"] around the country. </span> </td> </tr> <tr> <td> Line 16: </td> <td> Line 16: </td> </tr> <tr> <td> <span>-</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of Yolo<span>, </span>Sacramento, Alameda, Santa Clara, or San Diego counties to be eligible to open an account. They offer free checking, online banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. The staff are very friendly and will remember your name because the Davis branch is not terribly busy, and you can usually get in and out quickly without any problems. </td> <td> <span>+</span> You need only be a student or employee at one of the UC or Cal State schools or be a resident of <span>["</span>Yolo<span>&nbsp;County" Yolo], ["</span>Sacramento<span>"]</span>, Alameda, Santa Clara, or San Diego counties to be eligible to open an account. They offer free checking, online banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. The staff are very friendly and will remember your name because the Davis branch is not terribly busy, and you can usually get in and out quickly without any problems. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2006-03-19 09:54:45AndrewChen+Hours <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 4: </td> <td> Line 4: </td> </tr> <tr> <td> <span>- ||(Please fill in hours)||</span> </td> <td> <span>+ ||Mon-Thu: 9:00AM - 5:00PM||<br> + ||Fri: 9:00AM - 6:00PM||<br> + ||Sat: 9:00AM - 1:00PM||</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2005-12-27 18:07:13SteveDavisonlink <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 12: </td> <td> Line 12: </td> </tr> <tr> <td> <span>-</span> USE (University and State Employees Credit Union) is the only <span>credit union</span> established specifically to serve the needs of students and employees of the University of California and Cal State University systems. Unfortunately, there is only one branch in Davis at the location listed above. However, USE has ATMs on campus and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. Also, any Co-Op Network branch can access an account in the network, so you can walk into any CU branch and do business. </td> <td> <span>+</span> USE (University and State Employees Credit Union) is the only <span>["Credit Unions" credit union]</span> established specifically to serve the needs of students and employees of the University of California and Cal State University systems. Unfortunately, there is only one branch in Davis at the location listed above. However, USE has ATMs on campus and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. Also, any Co-Op Network branch can access an account in the network, so you can walk into any CU branch and do business. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2005-12-27 18:05:32SteveDavisonFor got <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 6: </td> <td> Line 6: </td> </tr> <tr> <td> <span>-</span> ||(530) 758-3306|| </td> <td> <span>+</span> ||(530) 758-3306<span>, 866-USE-4-YOU, 866-LOAN-NEW</span>|| </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2005-12-27 17:56:10SteveDavisonminor <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 2: </td> <td> Line 2: </td> </tr> <tr> <td> <span>-</span> || 200 B St<span>.[[BR</span>]<span>]Davis, CA 95616</span>|| </td> <td> <span>+</span> || 200 <span>["</span>B St<span>reet"</span>]|| </td> </tr> <tr> <td> Line 10: </td> <td> Line 10: </td> </tr> <tr> <td> <span>-</span> ||[http://www.usecu.org<span>/ (CA-wide website)</span>]|| </td> <td> <span>+</span> ||[http://www.usecu.org]|| </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2005-09-20 02:39:18SteveLambertadding co-op network info. <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 12: </td> <td> Line 12: </td> </tr> <tr> <td> <span>-</span> USE (University and State Employees Credit Union) is the only credit union established specifically to serve the needs of students and employees of the University of California and Cal State University systems. Unfortunately, there is only one branch in Davis at the location listed above. You need only be a student or employee at one of the UC or Cal State schools or be a resident of Yolo, Sacramento, Alameda, Santa Clara, or San Diego counties to be eligible to open an account. They offer free checking, online banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. The staff are very friendly and will remember your name because the Davis branch is not terribly busy, and you can usually get in and out quickly without any problems. </td> <td> <span>+</span> USE (University and State Employees Credit Union) is the only credit union established specifically to serve the needs of students and employees of the University of California and Cal State University systems. Unfortunately, there is only one branch in Davis at the location listed above. <span>However, USE has ATMs on campus and any [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATM] (i.e. ["Golden 1 Credit Union" Golden 1], ["Yolo Federal Credit Union" YFCU], etc.) can be used without a fee. Also, any Co-Op Network branch can access an account in the network, so you can walk into any CU branch and do business.<br> + <br> + </span>You need only be a student or employee at one of the UC or Cal State schools or be a resident of Yolo, Sacramento, Alameda, Santa Clara, or San Diego counties to be eligible to open an account. They offer free checking, online banking, savings, money market, and many other basic ["Banks" financial services] to suit your needs. The staff are very friendly and will remember your name because the Davis branch is not terribly busy, and you can usually get in and out quickly without any problems. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2005-05-07 20:03:34JasonAllerlink <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 12: </td> <td> Line 12: </td> </tr> <tr> <td> <span>-</span> USE (University and State Employees Credit Union) is the only credit union established specifically to serve the needs of students and employees of the University of California and Cal State University systems. Unfortunately, there is only one branch in Davis at the location listed above. You need only be a student or employee at one of the UC or Cal State schools or be a resident of Yolo, Sacramento, Alameda, Santa Clara, or San Diego counties to be eligible to open an account. They offer free checking, online banking, savings, money market, and many other basic <span>financial services</span> to suit your needs. The staff are very friendly and will remember your name because the Davis branch is not terribly busy, and you can usually get in and out quickly without any problems. </td> <td> <span>+</span> USE (University and State Employees Credit Union) is the only credit union established specifically to serve the needs of students and employees of the University of California and Cal State University systems. Unfortunately, there is only one branch in Davis at the location listed above. You need only be a student or employee at one of the UC or Cal State schools or be a resident of Yolo, Sacramento, Alameda, Santa Clara, or San Diego counties to be eligible to open an account. They offer free checking, online banking, savings, money market, and many other basic <span>["Banks" financial services]</span> to suit your needs. The staff are very friendly and will remember your name because the Davis branch is not terribly busy, and you can usually get in and out quickly without any problems. </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2005-04-18 18:10:59JerryVigil <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 12: </td> <td> Line 12: </td> </tr> <tr> <td> <span>- Please fill in good, useful information here.</span> </td> <td> <span>+ USE (University and State Employees Credit Union) is the only credit union established specifically to serve the needs of students and employees of the University of California and Cal State University systems. Unfortunately, there is only one branch in Davis at the location listed above. You need only be a student or employee at one of the UC or Cal State schools or be a resident of Yolo, Sacramento, Alameda, Santa Clara, or San Diego counties to be eligible to open an account. They offer free checking, online banking, savings, money market, and many other basic financial services to suit your needs. The staff are very friendly and will remember your name because the Davis branch is not terribly busy, and you can usually get in and out quickly without any problems.</span> </td> </tr> </table> </div> USE Credit Unionhttp://daviswiki.org/USE_Credit_Union2005-03-29 10:29:13CarlMcCabenew page <div id="content" class="wikipage content"> Differences for USE Credit Union<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 1: </td> <td> Line 1: </td> </tr> <tr> <td> </td> <td> <span>+ ||&lt;bgcolor='#E0E0FF'&gt;'''Location'''||<br> + || 200 B St.[[BR]]Davis, CA 95616||<br> + ||&lt;bgcolor='#E0E0FF'&gt;'''Hours'''||<br> + ||(Please fill in hours)||<br> + ||&lt;bgcolor='#E0E0FF'&gt;'''Phone'''||<br> + ||(530) 758-3306||<br> + ||&lt;bgcolor='#E0E0FF'&gt;'''Fax'''||<br> + ||(530) 756-2803||<br> + ||&lt;bgcolor='#E0E0FF'&gt;'''Website'''||<br> + ||[http://www.usecu.org/ (CA-wide website)]||<br> + <br> + Please fill in good, useful information here.</span> </td> </tr> </table> </div>