members circle

www.alliantcreditunion.org a newsletter for Alliant Credit Union members May 2012

contents
1 Steer clear of scams during

Steer clear of scams during your vacation

Vacations are a time to kick back, enjoy the sights and sounds and to recharge your batteries. Unfortunately, vacations are also prime time for scammers. While most people you encounter on a trip are not out to steal your hard-earned money or spoil your fun, staying alert and using caution can help you steer clear of rip-off artists. Here is a list of popular travel scams to avoid. Some are classics that have been effective for centuries. Splat, something lands on your shirt! A thief walks near you, presumably chomping on a hot dog. Instead, whats in the bun is a tube of mustard all the better to squirt the yellow condiment on you. As this ham-fisted Good Samaritan offers to help wipe off the mess, his partner in crime rifles through your pockets or grabs your bag. The basic idea is to distract you. Some variations: A respectable-looking person asks you for the time or directions, someone (frequently an old woman) falls down, a group of street kids create a disturbance or someone from above spills goo on you. In all these scenarios, be sure to hang on tight to your stuff. get a commission). Other cons: driving a much longer way to your destination or shortchanging you (more easily done if youre unfamiliar with the countrys currency). Reaching for the brass ring. A harmless looking person picks up a ring on the ground in front of you and asks if you dropped it. As you say, no, the person scrutinizes the ring and aha, he sees a mark that indicates the ring is pure gold. He then offers to sell it to you for a bargain price much higher than the legitimate price for this worthless piece of brass. Peek-a-boo, I see whats in your car. Dont leave valuables on the passenger seat or back seat. In tourist areas or busy city intersections, thieves hang out where theres a long red light. They spot rental cars and take a good look inside. If they like what they see, they may decide to smash the car window and run off with your belongings. A variation of this takes place when you leave your parked car at a tourist site. Unfortunately, once inside the car, the thief can then pop the trunk and take what you had locked inside there. The moral: whenever possible, never leave anything valuable in your car. Whats your number? Never give your credit card number over the phone unless you initiate the call. Thats a good rule to follow at all times. Beware of thieves, claiming to be a travel agent with a bargain vacation offer you cant pass up. And, while staying in the hotel, beware of phone calls from thieves, claiming to be the front desk and asking you to verify your card number. Just say no by hanging up.
Sources: scambusters.org, msnbc.msn.com, bankrate.com, travelandleisure.com, ricksteves.com, lonelyplanet.com and kiplinger.com

your vacation

2 It pays to use Alliants online Bill

Pay: you could win $1,000, $500 or $250 Earn a college scholarship from Alliant!

DIVIDEND
June Savings Dividend DECLARED MAY 17, 2012

The June 2012 Savings and IRA dividend, declared 05/17/2012, provides a Compounded Annual Percentage Yield of

0.80% APY

Dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more. Savings dividend is subject to change monthly.
June Checking Dividend DECLARED MAY 17, 2012

The June 2012 High Rate Checking dividend, declared 05/17/2012, provides a Compounded Annual Percentage Yield of

0.75%

APY

Checking dividends are paid on the last day of each month to accountholders who meet the requirements of the account. Checking dividend is subject to change monthly.

A taxi driver takes you for a ride. Your best bet is to hire a licensed driver with a working meter. Otherwise, agree on a fee before starting out and refuse to pay until you get to your specified destination. Beware of drivers who tell you that the hotel or restaurant you want has just closed and he will take you to a better one (where hell

members circle
www.alliantcreditunion.org a newsletter for Alliant Credit Union members May 2012

contents
1 Steer clear of scams during

Steer clear of scams during your vacation

Vacations are a time to kick back, enjoy the sights and sounds and to recharge your batteries. Unfortunately, vacations are also prime time for scammers. While most people you encounter on a trip are not out to steal your hard-earned money or spoil your fun, staying alert and using caution can help you steer clear of rip-off artists. Here is a list of popular travel scams to avoid. Some are classics that have been effective for centuries. plat, something lands on your shirt! A thief walks S near you, presumably chomping on a hot dog. Instead, whats in the bun is a tube of mustard all the better to squirt the yellow condiment on you. As this ham-sted Good Samaritan offers to help wipe off the mess, his partner in crime ries through your pockets or grabs your bag. The basic idea is to distract you. Some variations: A respectable-looking person asks you for the time or directions, someone (frequently an old woman) falls down, a group of street kids create a disturbance or someone from above spills goo on you. In all these scenarios, be sure to hang on tight to your stuff. get a commission). Other cons: driving a much longer way to your destination or shortchanging you (more easily done if youre unfamiliar with the countrys currency). eaching for the brass ring. A harmless looking R person picks up a ring on the ground in front of you and asks if you dropped it. As you say, no, the person scrutinizes the ring and aha, he sees a mark that indicates the ring is pure gold. He then offers to sell it to you for a bargain price much higher than the legitimate price for this worthless piece of brass. eek-a-boo, I see whats in your car. Dont leave P valuables on the passenger seat or back seat. In tourist areas or busy city intersections, thieves hang out where theres a long red light. They spot rental cars and take a good look inside. If they like what they see, they may decide to smash the car window and run off with your belongings. A variation of this takes place when you leave your parked car at a tourist site. Unfortunately, once inside the car, the thief can then pop the trunk and take what you had locked inside there. The moral: whenever possible, never leave anything valuable in your car. hats your number? Never give your credit card W number over the phone unless you initiate the call. Thats a good rule to follow at all times. Beware of thieves, claiming to be a travel agent with a bargain vacation offer you cant pass up. And, while staying in the hotel, beware of phone calls from thieves, claiming to be the front desk and asking you to verify your card number. Just say no by hanging up.
Sources: scambusters.org, msnbc.msn.com, bankrate.com, travelandleisure.com, ricksteves.com, lonelyplanet.com and kiplinger.com

your vacation

2 It pays to use Alliants online Bill

Pay: you could win $1,000, $500 or $250 Earn a college scholarship from Alliant!

DIVIDEND
June Savings Dividend DECLARED MAY 17, 2012

The June 2012 Savings and IRA dividend, declared 05/17/2012, provides a Compounded Annual Percentage Yield of

0.80% APY

Dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more. Savings dividend is subject to change monthly.
June Checking Dividend DECLARED MAY 17, 2012

The June 2012 High Rate Checking dividend, declared 05/17/2012, provides a Compounded Annual Percentage Yield of

0.75%

APY

Checking dividends are paid on the last day of each month to accountholders who meet the requirements of the account. Checking dividend is subject to change monthly.

taxi driver takes you for a ride. Your best bet A is to hire a licensed driver with a working meter. Otherwise, agree on a fee before starting out and refuse to pay until you get to your specied destination. Beware of drivers who tell you that the hotel or restaurant you want has just closed and he will take you to a better one (where hell

2 you could win a grand!

It pays to use Alliants online Bill Pay:

you could win $1,000, $500 or $250

YOU COULD WIN BIG! Its a great time to get online with Alliant and use our
free Bill Pay1 on your computer or Alliant mobile apps. Thats because you now have the opportunity to win one of three prizes in our It pays to use Alliants online Bill Pay sweepstakes.2 1. For each bill you pay with Alliants free Bill Pay from June 1, 2012, to July 31, 2012, youll earn one free entry into our It pays to use Alliants online Bill Pay sweepstakes. 2. The more bills you pay with Alliants Bill Pay, the more free entries youll receive. 3. Three lucky winners will be randomly selected on August 6, 2012: 1ST PLACE $1,000 savings deposit 2ND PLACE $500 savings deposit 3RD PLACE $250 savings deposit

Earn a college scholarship from Alliant!

This summer, Alliant will again award five $2,000 scholarships through our annual Members Scholarship Program. To qualify, you must be an Alliant member in good standing and be applying to or enrolled in an accredited undergraduate program at a four-year college, university or vocational/technical institution with a minimum of 12-credit hours during the 2012 fall semester. For complete details and to obtain an application, visit our website, www.alliantpromos.org/scholarship2012/. Application and required paperwork must be received or postmarked by Friday, June 15, 2012. Winners will be notified by July 30, 2012.
The Program is made and conducted by Alliant Credit Union, headquartered in Chicago, IL. You must be an Alliant member in good standing with a savings account in your name to apply. Alliant employees, Board of Directors, scholarship committee and family members of the same household are not eligible. All entries must be received/postmarked by 06/15/2012. Acceptance of scholarship constitutes authorization to use winners likeness and name without compensation. Odds of winning are dependent upon total number of entries received. Winners are responsible for any tax liability. Program is subject to all federal, state and local laws. Void where prohibited. All terms and conditions of Alliant products apply. Contact Alliant or visit our website, www.alliantpromos.org/scholarship2012/, for full details.

What are you waiting for?

Log in to Alliant Online Banking or Alliant Mobile Banking and pay some bills today. Good luck!

Not yet a user of Bill Pay?

All you need is an Alliant checking account. Then, log into Alliant Online Banking at www.alliantcreditunion.org, click the Pay Bills tab and enjoy the power of free online bill payments.
1 An Alliant checking account or Health Savings Account (HSA) is required for use with Alliant Bill Pay. There are no fees to maintain a Bill Pay account. However, if incurred, applicable fees will apply. Please refer to the Alliant Fee Schedule at www. alliantcreditunion.org/services/fees/ for a list of these types of fees. 2 No purchase necessary. Promotion is open to Alliant Credit Union (Alliant) members in good standing who are 18 years of age and older. Alliant employees, Board of Directors and their family members of the same household are not eligible to participate. Each time Alliant members use Alliants online Bill Pay to pay a bill from June 1, 2012, to July 31, 2012, they will receive one free entry to the It pays to use Alliants online Bill Pay sweepstakes. Alliant members can also enter the sweepstakes by mailing in a letter with their Alliant account number to Alliant Credit Union, It pays to use Alliants online Bill Pay, PO Box 66945, Chicago, IL 60666-0945. One separately mailed letter equals one entry. Mailed entries must be received /postmarked by 07/31/2012. Your odds of winning are dependent upon the total number of Bill Pay transactions made by members and sweepstake entry letters mailed in from June 1, 2012, to July 31, 2012. Three prizes will be awarded: 1st prize is $1,000, 2nd prize is $500 and 3rd prize is $250. All claimed prizes will be made as deposits to the selected winners primary Alliant savings accounts (01). Winners will be selected by random drawing to be conducted at Alliant Credit Union Headquarters on Monday, August 6, 2012, at 12pm CT. Winners need not be present at the time of the drawing to win. To learn who won, send a selfaddressed stamped envelope to Alliant Credit Union, Marketing Department, PO Box 66945, Chicago, IL 60666-0945. Winners will be notified by phone immediately after the drawing and may be announced in Alliant Service Center locations, website, promotional materials and newsletters. If winner(s) cannot be contacted or has not claimed the prize by August 21, 2012, alternate winner(s) will be selected by a subsequent random drawing. All winners will be required to sign an affidavit of eligibility and release, which will be provided by Alliant (and must be returned to Alliant by August 21, 2012, for prize to be awarded). Acceptance of the prize constitutes authorization to use the winners photo, other likeness, testimonial and name and in Alliant Service Center locations, website, promotional materials and newsletters without compensation. Alliant reserves the right to revoke and/or substitute the prize. Prize is non-transferable. Winners are responsible for any tax liability. This drawing is subject to all federal, state and local laws and regulations and void where prohibited. All terms and conditions of Alliant products apply. Void where prohibited. Contact Alliant for more information.

office closings
Alliant will be closed in observance of the following holidays:

Independence Day Wednesday, July 4, 2012 Labor Day Monday, September 3, 2012

dial direct: Alliant is there when you need us Member Contact Center Mortgage Hotline 800-328-1935 800-328-1935 24/7 personal assistance Press option 5, then option 1 tdd/tty 773-462-2300 MonFri, 8am5pm CT Self Service Telephone (SST) 800-482-5328 24/7 automated account access VISA Debit Card 800-328-1935 VISA Credit Cards 24/7 Member Service/ Account Info/Lost or Stolen: 866-444-8529 VISA Gift Card Purchase: 800-328-1935 Support Center: 866-466-2362 Auto/Home Insurance 888-380-9287 MonFri, 6am10pm CT Sat, 6am 8pm CT GreenPath Debt Solutions 877-337-3399 MonThur, 7am9pm CT Fri, 7am6pm CT Sat, 8am5pm CT
Alliant Headquarters 11545 W. Touhy Avenue Chicago, IL 60666

Alliant Retirement and Investment Services Financial Advisors are available to serve members in AZ, CA, CO, FL, HI, IL, NJ, NY, TX, VA, WA, WI. Call 800-328-1935, option 9. NEW! Deposits/Payments Print-without shadow PO Box 2387 Des Plaines, IL 60017-2387 NEW! Credit Card Payments PO Box 1666 Des Plaines, IL 60017-1666 All Other Correspondence and IRA and HSA deposits PO Box 66945, Chicago, IL 60666-0945

For Alliant Branch locations, Alliant Online Banking, and product and service information, visit our website: www. alliantcreditunion.org
This newsletter is for members personal use only. Reproducing and/or selling the contents of this newsletter without prior written permission from Alliant Credit Union is prohibited. Copyright Alliant. Articles are prepared as an educational service for Alliant members. They should not be relied on as a substitute for individual financial or legal research. Articles in this newsletter are not intended to be used (and may not be relied on) for penalty avoidance.

Convenient 24/7/365 account access Online banking at www.alliantcreditunion.org Mobile banking app for Android iPad and iPhone Member Contact Center at 800-328-1935 Self Service Telephone at 800-482-5328 Over 80,000 surcharge-free ATMs nationwide
Android is a trademark of Google, Inc. iPhone and iPad are registered trademarks of Apple, Inc.

PO Box 66945, 11545 W. Touhy Avenue Chicago, IL 60666-0945

www.alliantcreditunion.org
Federally insured by NCUA.
NEW260-R05/12

2 you could win a grand!

It pays to use Alliants online Bill Pay:

you could win $1,000, $500 or $250

YOU COULD WIN BIG! Its a great time to get online with Alliant and use our free Bill Pay1 on your computer or Alliant mobile apps. Thats because you now have the opportunity to win one of three prizes in our It pays to use Alliants online Bill Pay sweepstakes.2
1. For each bill you pay with Alliants free Bill Pay from June 1, 2012, to July 31, 2012, youll earn one free entry into our It pays to use Alliants online Bill Pay sweepstakes. 2. The more bills you pay with Alliants Bill Pay, the more free entries youll receive. 3. Three lucky winners will be randomly selected on August 6, 2012: 1ST PLACE $1,000 savings deposit 2ND PLACE $500 savings deposit 3RD PLACE $250 savings deposit

Earn a college scholarship from Alliant!

This summer, Alliant will again award ve $2,000 scholarships through our annual Members Scholarship Program. To qualify, you must be an Alliant member in good standing and be applying to or enrolled in an accredited undergraduate program at a four-year college, university or vocational/technical institution with a minimum of 12-credit hours during the 2012 fall semester. For complete details and to obtain an application, visit our website, www.alliantpromos.org/scholarship2012/. Application and required paperwork must be received or postmarked by Friday, June 15, 2012. Winners will be notied by July 30, 2012.
The Program is made and conducted by Alliant Credit Union, headquartered in Chicago, IL. You must be an Alliant member in good standing with a savings account in your name to apply. Alliant employees, Board of Directors, scholarship committee and family members of the same household are not eligible. All entries must be received/postmarked by 06/15/2012. Acceptance of scholarship constitutes authorization to use winners likeness and name without compensation. Odds of winning are dependent upon total number of entries received. Winners are responsible for any tax liability. Program is subject to all federal, state and local laws. Void where prohibited. All terms and conditions of Alliant products apply. Contact Alliant or visit our website, www.alliantpromos.org/scholarship2012/, for full details.

What are you waiting for?

Log in to Alliant Online Banking or Alliant Mobile Banking and pay some bills today. Good luck!

Not yet a user of Bill Pay?

All you need is an Alliant checking account. Then, log into Alliant Online Banking at www.alliantcreditunion.org, click the Pay Bills tab and enjoy the power of free online bill payments.
1 An Alliant checking account or Health Savings Account (HSA) is required for use with Alliant Bill Pay. There are no fees to maintain a Bill Pay account. However, if incurred, applicable fees will apply. Please refer to the Alliant Fee Schedule at www. alliantcreditunion.org/services/fees/ for a list of these types of fees. 2 No purchase necessary. Promotion is open to Alliant Credit Union (Alliant) members in good standing who are 18 years of age and older. Alliant employees, Board of Directors and their family members of the same household are not eligible to participate. Each time Alliant members use Alliants online Bill Pay to pay a bill from June 1, 2012, to July 31, 2012, they will receive one free entry to the It pays to use Alliants online Bill Pay sweepstakes. Alliant members can also enter the sweepstakes by mailing in a letter with their Alliant account number to Alliant Credit Union, It pays to use Alliants online Bill Pay, PO Box 66945, Chicago, IL 60666-0945. One separately mailed letter equals one entry. Mailed entries must be received /postmarked by 07/31/2012. Your odds of winning are dependent upon the total number of Bill Pay transactions made by members and sweepstake entry letters mailed in from June 1, 2012, to July 31, 2012. Three prizes will be awarded: 1st prize is $1,000, 2nd prize is $500 and 3rd prize is $250. All claimed prizes will be made as deposits to the selected winners primary Alliant savings accounts (01). Winners will be selected by random drawing to be conducted at Alliant Credit Union Headquarters on Monday, August 6, 2012, at 12pm CT. Winners need not be present at the time of the drawing to win. To learn who won, send a selfaddressed stamped envelope to Alliant Credit Union, Marketing Department, PO Box 66945, Chicago, IL 60666-0945. Winners will be notied by phone immediately after the drawing and may be announced in Alliant Service Center locations, website, promotional materials and newsletters. If winner(s) cannot be contacted or has not claimed the prize by August 21, 2012, alternate winner(s) will be selected by a subsequent random drawing. All winners will be required to sign an afdavit of eligibility and release, which will be provided by Alliant (and must be returned to Alliant by August 21, 2012, for prize to be awarded). Acceptance of the prize constitutes authorization to use the winners photo, other likeness, testimonial and name and in Alliant Service Center locations, website, promotional materials and newsletters without compensation. Alliant reserves the right to revoke and/or substitute the prize. Prize is non-transferable. Winners are responsible for any tax liability. This drawing is subject to all federal, state and local laws and regulations and void where prohibited. All terms and conditions of Alliant products apply. Void where prohibited. Contact Alliant for more information.

ofce closings
Alliant will be closed in observance of the following holidays:

Independence Day Wednesday, July 4, 2012 Labor Day Monday, September 3, 2012

dial direct: Alliant is there when you need us Mortgage Hotline Member Contact Center 800-328-1935 800-328-1935 Press option 5, then option 1 24/7 personal assistance MonFri, 8am5pm CT TDD/TTY 773-462-2300 Self Service Telephone (SST) 800-482-5328 24/7 automated account access VISA Debit Card 800-328-1935 VISA Credit Cards 24/7 Member Service/ Account Info/Lost or Stolen: 866-444-8529 VISA Gift Card Purchase: 800-328-1935 Support Center: 866-466-2362 Auto/Home Insurance 888-380-9287 MonFri, 6am10pm CT Sat, 6am 8pm CT GreenPath Debt Solutions 877-337-3399 MonThur, 7am9pm CT Fri, 7am6pm CT Sat, 8am5pm CT
Alliant Headquarters 11545 W. Touhy Avenue Chicago, IL 60666

Alliant Retirement and Investment Services Financial Advisors are available to serve members in AZ, CA, CO, FL, HI, IL, NJ, NY, TX, VA, WA, WI. Call 800-328-1935, option 9. NEW! Deposits/Payments Print-without shadow PO Box 2387 Des Plaines, IL 60017-2387 NEW! Credit Card Payments PO Box 1666 Des Plaines, IL 60017-1666 All Other Correspondence and IRA and HSA deposits PO Box 66945, Chicago, IL 60666-0945

For Alliant Branch locations, Alliant Online Banking, and product and service information, visit our website: www. alliantcreditunion.org
This newsletter is for members personal use only. Reproducing and/or selling the contents of this newsletter without prior written permission from Alliant Credit Union is prohibited. Copyright Alliant. Articles are prepared as an educational service for Alliant members. They should not be relied on as a substitute for individual nancial or legal research. Articles in this newsletter are not intended to be used (and may not be relied on) for penalty avoidance.

Convenient 24/7/365 account access Online banking at www.alliantcreditunion.org Mobile banking app for Android iPad and iPhone Member Contact Center at 800-328-1935 Self Service Telephone at 800-482-5328 Over 80,000 surcharge-free ATMs nationwide
Android is a trademark of Google, Inc. iPhone and iPad are registered trademarks of Apple, Inc.

PO Box 66945, 11545 W. Touhy Avenue Chicago, IL 60666-0945

www.alliantcreditunion.org
Federally insured by NCUA.
NEW260-R05/12