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Payroll Deduction/Direct Deposit
SONEPCO offers payroll deduction and direct deposits to members as long as it is available through their employer. In addition, SONEPCO can set up automatic transfers for payments or deposits into savings accounts, kid’s accounts or a secondary account. All of these services are available to assist members in making their transactions as easy and convenient as possible.
Service Features:
- Available to all members – do not need a checking account.
- Can accept all or part of a member’s payroll.
- Can make splits – depositing portions of the payroll into various accounts and/or suffixes or to loans.
- Amount of deposit as well as account balances and other information can be obtained through Touch Tone Teller, sonepco.coop (internet), by phone or at the branches.
- Funds are available immediately upon deposit.
Service Benefits:
- Convenient. No need to stand in line on payday.
- Easy. Easy to set up and get started.
- Economical. Gives immediate access to funds.
Getting Started:
- SONEPCO ABA#322484278
- Use your Account Number plus your check digit - (check digit is the number that follows your account number)
- How do you find your check digit?
- Refer to your current statement
- Login to e-teller for your check digit
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Touch Tone Teller
If you have a touch-tone telephone you can be in the Credit Union in moments, any time of the night or day, 365 days a year! Our telephone audio response service - TOUCH TONE TELLER - takes you electronically from your home (or wherever!) right in the credit union's computer to your accounts with the touch of a few keys! Amazing and truly convenient!
Service Features:
- Transfer funds
- Check Account Balances
- See if a check has cleared
- Request Tax information
- Make check withdrawals
- Order checks
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ATM Card
The ATM card with a member selected Personal Identification Number (PIN) provides access to cash, deposits and withdrawals from savings or checking and authorized credit lines at any ATM displaying the STAR, PLUS or CO-OP logos. All CO-OP ATMs are fee-free to SONEPCO members and there are thousands of locations including all Nevada 7-11 stores. The SONEPCO ATM card provides you access to your money 24/7.
Product Features:
- Gives access to primary savings and checking.
- Temporary cards are available at SONEPCO’s main branch.
- Replacement cards are available for a minimal cost.
- No annual fee.
- Member may change PIN in lobby of SONEPCO’s main branch or Henderson Branch.
- ATM transactions are surcharge free at all CO-OP ATM locations.
- There is a small per ATM transaction charge AFTER 6 transactions at foreign (NOT SONEPCO) ATMs.
- Provides Point of Purchase transaction availability at all participating merchant locations.
- Allows access of up to $2,500* per day per account.
- Deposits may not be available immediately until verified.
*Limit for New Start Checking and Under 18 Checking is $1,500.
Product Benefits:
- Convenient. Accepted at almost any ATM or point of purchase.
- Safe. Can be cancelled immediately if lost or stolen.
- Economical. SONEPCO and Co-Op ATMs are fee-free.
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VISA Check/Debit Cards
The VISA Check Card or Debit card is an ATM card and more. It can be used like a VISA card but the funds come directly from the member’s checking account. The card is accepted worldwide by merchants who accept VISA and at most ATMs. Like the ATM card, if used at a SONEPCO ATM or any ATM with the CO-OP logo, transactions are fee-free. The VISA Check Card is a convenient source of payment and is available to members who have a checking account with SONEPCO.
Product Features:
Click here to view full ATM/Debit Card Policy (PDF)
- Gives access to primary savings and checking.
- No annual fee.
- Replacement cards are available for a minimal cost.
- Member can change PIN at any SONEPCO branch.
- ATM transactions are surcharge free at all CO-OP ATM locations.
- There is a small per ATM transaction charge AFTER 6 transactions at foreign (NOT SONEPCO) ATMs.
- Provides Point of Purchase transaction availability at all participating merchant locations.
- Allows access of up to $2,500* per day per account.
- Debit purchases limited to $2,500* per day.
- ATM deposits may not be available immediately until verified.
- Credit card cash withdrawals and purchases are limited to the available amount in the checking account (purchases).
- Customized card with member’s picture is available for a minimal cost.
*Limit for New Start Checking and Under 18 Checking is $1,500.
Want a new PIN number
for your VISA Debit or ATM Card?
Stop by any of the following branch locations, and we can repin your card with a new number!
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Traveling with your SONEPCO Debit Card?
If you are traveling, please let us know so we can make sure your card will be active wherever you may be going. Also, please be aware that Debit/ATM Cards will not work if you are travelling to Italy, Japan, China, Bulgaria and Spain, but we can help you find a solution to make sure you have access to your money on your trip.
Contact a Member Services Representative before you leave at
(702) 871-0977 |
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Insurance Products
SONEPCO provides a variety of insurance products including AD&D (Accidental Death & Dismemberment), Credit Life, Credit Disability, GAP (Guaranteed Asset Protection) and MMP (Major Mechanical Protection). All products are backed by reputable credit union partners and are competitively priced.
AD&D
A $1,000 AD&D (Accidental Death and Dismemberment) policy is available FREE to any SONEPCO member. Additional insurance can be purchased and other life insurance options are available.
GAP
GAP or Guaranteed Asset Protection insurance covers the “gap” between the value of a vehicle and the amount still owed on the vehicle. This protects the borrower in the event the vehicle is stolen (unrecovered), or it is totaled in an accident. The policy also provides an allowance of $1,000 toward the down payment of a replacement vehicle. Premiums can be paid in cash or financed into the loan. GAP covers up to 125% of the MSRP and up to 72 months on the loan.
MRC
Mechanical Repair Coverage is available to members to provide protection against costs associated with most unexpected mechanical breakdowns. This insurance can be added to the loan at any time provided certain criteria are met. MRC premiums may be paid for up front or may be added to the loan. Benefits include: 24-hour roadside assistance, emergency tire repair, lost key and lockout assistance and rental car provisions. The policy is transferable upon sale of the vehicle and options are available for either new or used cars. MRC is comparable to dealer extended warranties at about 1/3 the cost.
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Notary
The credit union provides Notary service at no cost to its members. The type of notarial acts that the credit union can perform are those where the Notary witnesses the member signing a document. No other type of Notary service is provided.
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Medallion
The Medallion Guarantee is used when stock is going to be negotiated. This specific type of "signature guarantee" is required by the Securities and Exchange Commission. Before you come to the credit union for this service, you may want to call ahead to make an appointment as completing this guarantee can be time consuming. Our numbers are 702 871-0977 OR 800 677-6602. The cost is $25.00.
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Travel Cards
Traveler's Checks are a thing of the past! Our more convenient Travel Cards are now available for purchase at any SONEPCO branch! Travel Cards are widely accepted and can be used just like a credit card. Purchase a Travel Card for just $9.95, and load it up with $100 to $3,000 to be used on your next trip! Travel Cards can be reloaded for $4.95.
Reloadng Your Card is Easy and Convenient!
- Stop by any SONEPCO Branch
- Stop by a Western Union Agent Location and reload your card for $4.95
- NEW! - Direct Deposit Options: Upon purchase or reload of your card, your receipt will contain a Routing & Transit Number and an Account Number. Provide these to your employer to have regular deposits made to your card. NO RELOAD FEE APPLIES
Register your Travel Card online here!
Creating your profile online and registering your travel card will allow you to securely check your balance and transaction history, use your card for phone and internet purchases or request a replacement should your card become lost or stolen.
To check your balance or find out more information about your travel card , call 1-800-827-6557.
Must be at least 16 years of age to purchase a Travel Card. Unlimited number of reloads per card. Travel Card fee will be waived if you have more than $10,000 in your SONEPCO share account(s).
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Money Orders
The credit union offers SONEPCO Money Orders which can be purchased in amounts up to $3,000.00. The cost is $2.00 per item.
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Wire Transfers
The credit union can wire transfer your funds for you anywhere in the United States and abroad, at a cost of $20.00 per (domestic) outgoing wire and $30.00 per (foreign) outgoing wire. Please give the following information to the credit union prior to 1:00 p.m. for the wire to be sent the same day:
First Receiving Bank
Routing and Transit #
Name
City, State |
Final Credit to:
Account #
Savings or Checking
Name
Address |
Second Receiving Bank (if applicable)
Routing and Transit #
Name
City, State |
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| Other Instructions: |
As necessary |
Following is an Example of a wire coming into your account:
1220-4121-9
Western Corporate Federal Credit Union
San Dimas, CA |
to credit:
1000-0 savings
Sue Brown
6475 W. Sahara Ave.
Las Vegas, NV 89146 |
3224-8427-8
Sonepco Federal Credit Union
Las Vegas, NV |
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| other instructions: |
to pay car loan in full |
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Discounts/Memberships
A number of local businesses and amusement parks have offered discounts to members of the credit union. We have the brochures/coupons displayed in the lobby of the credit union. Occasionally, some Amusement Parks will provide us with discounted tickets for sale - give us a call to see what we have available!
Phone: 702 871-0977 OR 800 677-6602
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Safe Deposit Boxes
The credit union offers Safe Deposit Boxes to safeguard your valuable items and important papers. Safe Deposit boxes are available at the credit union’s office on Sahara. You may choose from the following sizes:
|
3 x 5 |
$15.00 annually |
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5 x 5 |
$20.00 annually |
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3 x 10 |
$30.00 annually |
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5 x 10 |
$50.00 annually |
Your credit union safe deposit box will keep your valuables safe from fire, theft and loss. If you’re interested in reserving one, please contact Kay at (702) 871-0977.
Shared Branching
Members of SONEPCO Federal Credit Union have additional access to their accounts besides SONEPCO's branches through the power of Shared Branching. With shared branching, credit unions from all over the country share facilities to give members thousands of convenient locations to perform transactions just as if they were in their home credit union.
Whether you are at work, home, or your favorite travel destination, SONEPCO is always nearby. For more information on Shared Branching, please call us at (702) 871-0977 or visit the CU Service Center Website to find a Shared Branch nearest you!
Business Continuity Plan
Summary
SONEPCO Federal Credit Union has prepared a Business Continuity Plan ("BCP") outlining how we will respond to events that significantly disrupt our business. The plan is fluid and is meant to be used as a general guide because of the difficulty in planning for the impact of spontaneous disasters and disruptions.
Contacting SONEPCO Federal Credit Union
In the event of a Significant Business Disruption ("SBD") at any one of our locations, you should be able to contact one of our other locations using the same general toll free number of (800) 677-6602 or our local number (702) 871-0977. If you cannot contact us using one of these numbers, you should:
Our Business Continuity Plan
In the event of a SBD, SONEPCO Federal Credit Union plans to quickly recover and resume business operations by the safeguarding of employees and property, by making a financial and operational assessment, by protecting the Credit Union’s Books and Records, and by allowing our members to continue transacting business. In short, our BCP is designed to allow our Credit Union to recover and resume operations as soon as possible, taking into account the scope and severity of the SBD.
The SONEPCO Federal Credit Union BCP addresses: data backup and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers , employees, and regulators; alternative physical locations of employees; critical supplier, contractor, and counter-party impact, regulatory reporting; and assuring our members prompt access to their funds if we are unable to continue our business.
We back-up some of our important records in a geographically separate area. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, we have been advised by our business partners that their objectives are to restore their own operations and be able to complete services to us as soon as possible.
Varying Disruptions
Significant business disruptions may vary in their scope, i.e., only SONEPCO Federal Credit Union is affected, the building housing our Credit Union, the business district where our Credit Union is located, the city where we are located, or the whole region.
Within each of these areas, the severity of the disruption can also vary from minimal to severe. In a disruption to only our Credit Union or a building housing our Credit Union, we will transfer our operations to an alternate site outside of the affected area and recover and resume business as quickly as possible. In a disruption affecting our business district, city, or region, we will transfer our operations to a site outside of the affected area and recover and resume business as quickly as possible. In either situation, we plan to continue our business and notify you through our web site or via recorded message on our phone system how you can contact us.
For More Information
At a minimum our BCP is reviewed and updated annually. If you have questions about our BCP Statement, you can contact us at: memberservices@sonepco.com.
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