OTS Employees Federal Credit Union



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Services

OTS Employees Federal Credit Union offers many other services that enhance the products and services that members utilize. These include:

Bank by Mail
Members can transact their business by mail. OTS Employees FCU's mailing address is:

OTS Employees FCU
811 Middle Street
Honolulu, HI 96819

Traveler's Cheques
American ExpressTraveler's Cheques are available for purchase.

Kelly Blue Book Used Car Information
OTS Employees FCU Representatives can provide Kelly Blue Book Used Car information to members at no cost.

Payroll Deduction
Can be arranged through the credit union.

Direct Deposit
Can be arranged through member's payroll department.

Debit MasterCard
Use the Debit MasterCard at any Bank of Hawaii ATM machine whether withdrawing from your share draft (checking) or share (savings) and you will not incur any fees, like the credit union's previous ATM card. That's right no fees if used at any Bank of Hawaii ATM machine. If you choose to use your Debit MasterCard at another institution ATM you may incur a machine charge. So take advantage of this offer and make it yours at no additional charge.

Your Access to Free Credit Reports
Soon you'll be able to get your credit report for free. A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation's consumer reporting companies. The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

A credit report contains information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. There are three nationwide consumer reporting companies Equifax, Experian, and Trans Union.

Consumers in Western states will first be able to order their credit reports under the federal law beginning December 1, 2004. Consumers in other states will be able to order their copies according to a regional roll-out detailed below.

In recent months, consumers have asked the FTC for more details about their rights under the federal FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free credit report program. They've also asked about credit reports in general.

To order, click on www.annualcreditreport.com, call 877-322-8228, or complete the Annual Credit Report Request Form and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

For more information about any services that are offered at OTS Employees FCU, contact a Credit Union Representative at (808)848-4408.


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