Haynes Community
FEDERAL CREDIT UNION
January-March 2016
1801 S PARK RD BX 2148 KOKOMO,
INDIANA 46902 (765) 456-3043
Website: www.haynesfcu.org
Notice of 2016 Annual Meeting-New Location
Join us for the 68th Annual Meeting of Haynes Community Federal Credit Union. The meeting
will be held at the Elite Banquet Hall in Kokomo on Saturday, March 12, 2016. At the
Credit Union you are more than just a customer...you are a member of the Credit Union, an
owner and shareholder. You can nominate and elect those members you feel should guide your
Credit Union. If any member is interested in running for the Board of Directors, please stop by
the credit union to pick up the paperwork to read and sign. Forms can be picked up starting
Feb.2nd and must be returned to the credit union by Feb. 19th. You can nominate and elect
those members you feel should guide your Credit Union. Your opinion counts and this is a
chance for your voice to be heard. Doors will not open until 9:00am. RESERVATIONS
REQUIRED for the MEAL. All reservations must be received by Friday March 4th so that we can let our
caterer know. Breakfast will be served at 9:30am and meeting will start at 10:15am.We look forward to seeing
everyone there and discussing our exciting 2015 results and what’s ahead for 2016.
MARK YOUR CALENDAR & MAKE YOUR RESERVATION
EMV - New Functionality You Can Expect - Coming in January
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Checkout is simple at chip-enabled terminals and is similar to the process cardholders
experience today.
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At the chip-enabled reader, you will be instructed to insert your card into the slot at
the front of the reader. Leave your card in the reader and enter your PIN or sign as
needed. Simply follow the prompts on the screen until your transaction is completed. Just
remember to take your card.
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You can still swipe to pay at merchants that are not yet chip-enabled.
What Remains the Same

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You can still use your new chip card at an ATM as you would today.

You will still need to sign the back of your card for security purposes.
If a merchant still has the traditional card reader, your new card will still have a
magnetic stripe on the back and you can swipe your card as you would today.
Shred or cut up expired or reissued cards.
When Will You Receive Your New Visa and/or Debit Chipenabled Card? We will offer the added security of EMV chip-enable technology to all
of our Visa and Debit cards before the end of the year. Most all financial institutions are
switching to the EMV card all at the same time and, therefore, we are set up on a project
queue with our card processor. We really appreciate your patience during this time to get
the new chip cards in your hands, but know that our current cards are still safe and secure.
Current Cardholders Automatically Receive the New Chip Cards
If you currently have a Visa with us, you do not have to apply for a chip card. You
will automatically receive a chip-enabled card to replace your current cards. Our
goal is to have the cards issued as soon as possible. The first phase was sent in
December. The second phase is due to be sent out beginning January
5th.
Look for your new card in the mail…along with the
gold chip!
Credit Union Notes from the
Board
The credit union faced some
challenges in 2015. However, we have
been able to finish strong financially as
well as offer new products to our
members. Some products include
Remote Deposit Capture, EMV Chip
VISA Card, which you should be
receiving very soon, if you haven’t
already. We are also excited to
announce that Gary Icenogle will be
joining us as the CEO/President
effective January 4, 2016. Gary has
almost 20 years of experience in the
credit union industry in a variety of
areas. We look forward to you
meeting him at our Annual Meeting on
March 12th. Please note that the
meeting will be at the Elite Banquet
Hall this year. We are still requiring
reservations for the meal.
We look forward to serving you in
2016!
Board of Directors
HOLIDAY CLOSINGS
Friday, January 1, 2016………New Year’s Day
Monday, January 18, 2016…Martin Luther King Day
Monday, February 15, 2016…….President’s Day
Friday, March 25, 2016…………Good Friday
New Year, New Resolution.
Update Your Information. If you have
moved recently or your phone number has
changed, you need to inform us in writing
so that we can keep your information
updated. Also, check if the beneficiary is
correct on your account. Many life events
may have changed the status of
information that we have on file.
Haynes Community F.C.U. has teamed with the Love My Credit Union Rewards
TurboTax program to offer our members great savings on TurboTax federal products.
This year, file your taxes the smarter way, and get your biggest possible refund
– guaranteed.



TurboTax translates taxes into simple questions about your life and puts
everything in the right forms for you.
TurboTax searches over 350 deductions and credits, so you won’t miss a thing.
TurboTax runs error checks and a final review to help make sure your taxes are done right.
Plus, you can save on TurboTax federal products. Start TurboTax now!
The TurboTax credit union member discount is just one of many member discounts available with the Love My Credit Union
Rewards program. Members have saved over $1.4 billion with exclusive offers from these great partners:
Receive a 10% discount (business members a 15% discount) on select regularly priced Sprint monthly data service. Plus, waived
activation fee on new lines and upgrade fees ($36 savings each)
Get safety and security of roadside assistance and more for less than $1 per week* with CU Road Pal
Save up to $200 on new DIRECTV service with monthly bill credits and a $140 gift card
Receive a $100 gift card and smoke communicator with new a ADT monitored home security system
Earn cash back when you shop at over 1,500 online retailers with Love to Shop
The more offers you take advantage of, the more you save.
Start saving today at LoveMyCreditUnion.org.
Quarterly Tip
Dormant Account Policy
Accounts shall be considered dormant if no activity has taken place on the account for six months.
Members are reminded to keep their account active by making a deposit, withdrawal, or transfer to their
account. If you do not activate your account, you may incur a monthly dormant account fee. Any
account that is dormant after three years, the balance in the account will automatically be escheated to the
State of Indiana. Fees on all dormant accounts shall be assessed at $5.00 per month after 6 months of
inactivity. The fee shall continue monthly until the balance in the account is zero and the account is closed,
or the account has been reactivated. If after three years there is still a balance, the
monies remaining will be escheated to the state. Exceptions are if the member has a
balance of $100 or more, other accounts with the credit union i.e. IRA’s,
Certificates of Deposit, Loans, Visa card, Mortgage etc.; or if the member is under
18 years of age. The Credit Union will make the necessary attempts to contact
members with dormant accounts before any funds are escheated to the state. This
makes it essential that addresses on all accounts be current and up to date. Please
call the Credit Union should you have any questions regarding this policy.