11 Summer Travel Tips For Keeping Your Finances Safe

by Heath Combs on July 21, 2014

Summer is proceeding quickly, but there’s still a lot of fun to be had. At Truliant, our goal is to help educate our members and provide you with new ways to help you ensure your travels are safe and worry-free when it comes to your financial security.

Before You Leave:

• Contact your local post office and put your mail on hold during the time you are gone. This can also easily be done online at usps.com by clicking on “Manage Your Mail.”
• Set up your online bill pay with Truliant so you can view/pay your bills while you’re away.

Summer finances safe

Debit and Credit Cards:

• Only take the credit and debit cards that you expect to use, plus a backup. When you get home, check your balance and the charges on your cards. You can also monitor your balances while you are traveling with our mobile banking app.
• Memorize your personal identification number (PIN); do not write it on your card.
• If you lose one of your cards, report it immediately.
• Call Truliant at 800-822-0382 before you travel, so that we may activate your cards to be usable in the designated states and countries during your trip.

Questions to Ask Truliant:

• Will my card work at my destination? Because some destinations have additional security alerts affecting the Truliant debit, credit and ATM cards, make sure to call us at 800-822-0382 and specify which locations you’re traveling to and the dates you’ll be gone. This will help us to know that it’s really you using your card (not a stolen card), and we won’t turn off your cards while you are away.
• Will there be a fee if I use my debit card at an ATM?
• If my credit/debit card is lost or stolen, what should I do?
• What phone number should I call if there’s an emergency?
• What is my debit card’s daily limit for ATM withdrawals? Be aware that many interntional ATMs have their own limits.

It never hurts to get a refresher on keeping your finances safe during summer travel. Our best to you during these months!



Three Ways To Get Ready For Christmas in July

by Heather on July 16, 2014

You see it everywhere and hear people talking about it but what does it actually mean – Christmas in July??

July is typically the hottest month of the year for us in the Northern Hemisphere while our friends in the Southern Hemisphere, like Australia and New Zealand are experiencing their coldest month. It’s hard to think about Christmas when it’s 90+ degrees every day. Therefore in the Southern Hemisphere there are frequent Christmas in July events so that they can experience Christmas during their colder weather of July.

The phrase “Christmas in July” became more recognized in the United States when in 1940 a movie was released by that name. Then retailers, who had no real holidays to exploit for sales between the Fourth of July and “Back to School” eventually, grabbed the “Christmas in July” concept for sales and promotions. That’s how we hear about it most often today – the big Christmas in July sale.

Christmas #19 – The Timberland Santa by kevin dooley
Attribution License

This got me thinking about being better prepared for the real Christmas in December. I know I cringe when that January credit card bill comes in with all of those Christmas gift charges. There is a way to plan ahead and avoid that unpleasant January bill. Truliant Federal Credit Union has a great option where you can open a separate Christmas Club account.

1. There is no monthly service charge or no minimum balance, and you’ll receive competitive interest rates to make a little extra.

2. Christmas Club balances automatically transfer to your checking or savings account in November. It’s that easy!

3. Saving a little bit each month between now and then will help relieve the pain of that January credit card bill.

Check it out today – you’ll be glad you did when January rolls around.


Truliant’s New Website Coming Later This Year

by Heath Combs July 8, 2014

The times they are a changing. And while some things should always stay the same – like making sure you have a financial partner that understands your needs – an evolving world of online and mobile technology demands we keep things convenient.
During the last several months, teams within Truliant have worked diligently to create [...]

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Are You Ready For Some Summer Fun?

by Heather June 6, 2014

The summer season is just about here. Are you ready for some fun? Have you been saving money that we all will inevitably spend on hotels, gas, entertainment costs to capture a little bit of enjoyment.
It can be difficult me to budget for these fun expenses when I already have our day to day to [...]

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Better Car Deals For Spring 2014?

by Heath Combs May 5, 2014

There’s plenty of advice on when to buy a car. Early in the week. Late in the month. End of the quarter. Avoid weekends.
General agreement points to spring as a bad time. It’s when we’re out and about. Maybe itching to spend a tax refund. Sales people are less inclined to wheel and deal in [...]

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President’s Message 2014: In the Moment

by Heath Combs May 1, 2014

The following is Truliant President and CEO Marcus Schaefer’s speech from our Annual Meeting and Review of 2013 Financial Results on Monday, April 28, 2014.
If you’ll allow me, I’d like to be philosophical for a moment. I have friend who, like many of us, found himself rushing around trying to manage a busy work and [...]

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Big Bank Alternatives Look Better Every Day

by Heath Combs April 18, 2014

Big banks sometimes push aside thier financial partners’ best interest to make shareholders happy. Here’s a few examples.

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The Unsung Hero of Finance

by Heath Combs March 26, 2014

Free checking is so ordinary that it’s often taken for granted. It’s hard to imagine it even having a genesis.
One blogger – in a more than 4,000-word manifesto on free checking – offers 1982 as the debut date of free checking services. While services tagged “free checking” may have existed before then, a few web [...]

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Car Buying Made Easy

by Kristina March 13, 2014

There are a few things in life that truly make me cringe. One is the thought of major dental work, another is sitting through a calculus class, and yet another is shopping at a traditional car dealership.  The cheesy and pushy sales pitches, along with some crazy sticker prices are certainly nightmare worthy.
So what’s an [...]

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