Make the paper cut
Switch to eStatements, win an iPad
eStatements are safe, convenient and give you access to your VCCU account whenever you need it, from wherever you are.

Free, easy, efficient and paperless. Plus, eStatements are:

  • Faster than mailed statements
  • Available for viewing for a full year
  • Password protected for greater security
  • Clutter-free and environmentally friendly
  • Cost-efficient, helping us reduce operating expenses
  • Accessible anywhere, anytime

Need another reason to switch?
Sign up for eStatements by December 31, 2010 and you’ll be automatically entered in our drawing for an iPad.

Sign up for eStatements — log into Quest Home Banking today

All VCCU members who have or register for eStatements by 12/31/10 are automatically entered in drawing. Visit for details. NO PURCHASE NECESSARY. Must be at least age 18 to enter. Winner will be drawn at random from all entries on 1/15/11. Winner need not be present; is responsible for all taxes and associated costs; agrees that acceptance of prize constitutes permission to use his/her likeness in marketing materials. Value of prize not to exceed $550. No cash or prize substitutions. Odds of winning depend on number of entries. Contact credit union for alternate entry methods. VCCU employees, volunteers, vendors and immediate family members not eligible. Ventura County Credit Union is an independent organization and has not been authorized, sponsored, or otherwise approved by Apple Inc. Apple, the Apple logo and iTunes are registered trademarks of Apple Inc.

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Joe SchroederFrom the president
I’m pretty good at keeping up with new technology for my age, but as dad to three 20-somethings, I can’t claim to be the most tech-savvy person in my family. While they may not be cyborgs with hi-tech communication devices surgically implanted in their heads — yet — my kids are all about their smartphones, which they use for more than just calls and texting.

Their smartphones are their alarm clocks, newspapers, social calendars, game platforms and well, their BFF.

For an increasing number of people, a smartphone is also a handy financial tool. About 19 percent of smartphone users rely on it for banking and other financial services.1

That figure is only going to get more impressive. Experts predict that smartphone usage will grow 530% to 53 million by 2013. 2

It’s essential to adapt to the smartphone world so when I arrived here, I made rolling out Mobile Banking one of my top priorities.

My excitement has been justified. Since its introduction, Mobile Banking has been a huge hit. And not just with our tech-savvy members, but also with those who aren’t all that into the digital world, but simply enjoy convenience. To use it, just download the free Mobile Banking app from iTunes… or ask your kids to help you. They’ll snicker a bit, but they’ll do it.

I can remember a few years back when online banking was introduced. It was marketed as "like putting a branch in your home or office." Well, Mobile Banking puts a branch in your pocket. So what are people doing with their portable "branches?"2

Confirming account balances 82%
Verifying transactions 62%
Getting account alerts 45%
Using Bill Pay 29%

These services are only the beginning; the potential is endless. Here are a few possibilities I find interesting:

Mobile Remote Deposit Capture
Capture a check image using your smart phone’s camera, then deposit that check online. You never have to visit a branch or ATM.

Mobile P2P
Use your smartphone to send payments to an individual. Simply provide your recipient’s name, the payment amount, and their mobile phone number or e-mail address.

Mobile Wallet
Also called Near Field Communication… but I’ll stick with Mobile Wallet. Already popular in Europe and Asia, this service will allow you to store debit and credit card information on your mobile phone, then send payments by phone to nearby reception devices to pay for goods, parking, buses, and other things.

We will be adding these and other services, freeing you from traveling to a brick and mortar office — although you’ll always be welcome at VCCU!

As for me, I suppose it’s time to upgrade to the latest smartphone. After all, my kids have rolled their eyes and laughed at my reliable but admittedly old Razr phone long enough.

Joe Schroeder

1 Luth Research for Mobile Marketing Association.
2 Mobile Money Study: A Baseline View January 2010 Data Innovation Incorporated .

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Visa Credit Cards
The best card to carry

Why? Because while banks raise their rates and fees to get around new federal credit card regulations, our cards continue to give you honest value you can count on.

  • Low, competitive rates
  • No annual fees

We offer several, each with its own great benefits, including a Platinum Rewards card that earns ScoreCard bonus points redeemable for merchandise, travel and more.

24-hour account access
Review your account history, recent transactions and make loan payments online, anytime. Plus, with eStatements, your Visa statement is secure and accessible anytime.

Verified for online security
A Verified by Visa password ensures that only you and those you authorize can complete transactions at participating online merchants.

Apply 24 hours a day online at, or call or visit your nearest VCCU office.

Reminder: New Regulations for ATM, debit card overdraft coverage
Beginning August 15, 2010, overdrafts on ATM and non-recurring debit card transactions are covered only if you have opted in for Courtesy Pay protection. If you haven’t, opt-in at

$25 fee for each Courtesy Pay overdraft transaction.

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Smart holiday shopping?
There’s an app for that.
Actually, there are many. Here are some handy ones that can make your holiday shopping easier.

Comparison shop by phone. Scan an item’s bar code and ShopSavvy will search websites and stores for the best prices.

Track your spending and account balances, and set up alerts for when you reach a certain balance or approach your credit card limit.

See if there are coupons or discounts for items on your gift list, including food and merchandise.

Save money on meals while shopping. This app lists restaurants that offer free kids meals when you buy a grown-up meal.

Holiday shopping is always hectic, so it’s smart to let your smartphone help.

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Friends, family join FREE October 17–23
Share the benefits of VCCU membership with your eligible family, friends and co-workers. Bring them to any VCCU office or direct them to October 17–23 and they can join for FREE!

ICU DayThe theme for this year’s International Credit Union Day observance illustrates what we’ve been saying for years; the best financial services are local. "Local" can be the California coast, England, Peru or elsewhere. When they need financial help, more than 186 million people around the world turn to a local credit union in their community.

Give your friends and family a reliable place they can count on; bring them in for free membership during Credit Union Week.

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Shred it free days
Clear the clutter and protect against identity thieves! Bring up to two boxes of cancelled checks, receipts, statements and other personal papers to either office below. Iron Mountain will shred and dispose of them of securely.

Iron MountainSimi Valley October 18 · 11 am–1 pm
Ventura October 19 · 11 am–1 pm

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Call for nominees
If you have financial expertise, share it for the benefit of all members by volunteering to run for our Board of Directors or Supervisory Committee. The following volunteer positions are up for election:

Board of Directors There are three (3) positions up for election. Each of these positions is for a three-year term.

Supervisory Committee There are two (2) positions up for election. One (1) of these positions is for a three-year term and the other position is for a one-year term.

Qualified Members may be nominated by one of two methods: (1) For nomination by the Nominations and Elections Committee, submit an application postmarked by January 14, 2011 or (2) for nomination by Petition, submit a petition signed by 100 eligible Ventura County Credit Union members and include a statement of qualifications and biographical data. Petitions must be submitted to the Nominations and Elections Committee (postmarked if sent by mail) by March 7, 2011. For more information or to submit an application or petition, write to:

Ventura County Credit Union
Attn: Nominations and Elections Committee
PO Box 6920, Ventura, CA 93006-6920

There will be no nominations from the floor. The election will not be conducted by ballot. Election results will be announced at our Annual Meeting on April 26, 2011.

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Holiday Club account transfers in November
Could your holiday budget use a boost? Good news. That boost is coming — if you have a Holiday Club account! Funds will be transferred into your saving or checking account on November 1. Let us know if you want it in a different account.

If you don’t have a Holiday Club account, call or visit any office to open one today and grow it faithfully throughout 2011.

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We’re proud to support the communities we serve.
Look for VCCU around town at events like these:


Moorpark Country Days
We hope you joined us on historic High Street for Moorpark Country Days. This annual event featured a parade, kid’s zone, farmer’s market and street fair.

Thousand Oaks

Thousand Oaks Street Fair
Sunday, October 17, 9 am–4 pm

Spend the day with us at the Thousand Oaks Street Fair held one block away from our Thousand Oaks office on Moorpark Road between Hampshire Blvd. and Wilbur Road. This event attracts people from all over the county and is fun for the whole family. We hope to see you there.


Member Education Seminar
"Rebuilding After a Financial Setback"

Join us for this informative workshop and learn how to get back on your feet after a financial setback. Topics of discussion will include; budgeting, repaying debt, rebuilding credit, establishing emergency savings and replenishing retirement savings.

Tuesday, November 16, 6:30 pm
Thousand Oaks office: 18 W. Thousand Oaks Blvd.

Wednesday, November 17, 6:30 pm 
Ventura office: 6026 Telephone Rd.

Food ShareDonate to FOOD Share
There have always been hungry families in Ventura County, and the tough economy has dramatically increased their numbers. FOOD Share, a local agency that distributes food to the needy, is doing its best to keep up but they need your help. Starting in mid-November, we’ll be collecting non-perishable food items in all VCCU offices. Bring what you can, or ask how you can "buy" a meal to ensure that no local families go without food this holiday season.

Please consider these points:

  • Of the recent increase in low-income recipients,
    nearly 68% are persons age 60+
  • 33% of emergency food recipients are children under 18
  • FOOD Share administers a military food and fund account for our local military families and base(s)
  • FOOD Share’s Brown Bag and Snack Attack programs provide supplemental nutrition to nearly 2,000 low-income seniors and healthy nutritious after school snacks to approximately 2,400 children countywide and provides food to more than 40,000 people each month.

All of us at VCCU thank you for supporting this important local cause.


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