Sharedraft Program Enhancement Portfolio  
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Sharedraft Program Enhancement Portfolio

Need help increasing your sharedraft accounts? Want a better chance of being named your members' PFI? Using our solutions will make your accounts more appealing at a price that appeals to you!

Overdraft Privilege Program
Increase member satisfaction, raise market share and increase your credit union's non-interest income - all without raising fees or adding major operational costs. With the John M. Floyd & Associates Overdraft Privilege program, you'll be on your way to providing a valuable benefit to your membership - protecting them from credit and debit bureau problems, merchant fees and embarrassment associated with returned checks and ACH items.

Sharedraft Printing Solutions
To bring our credit unions the highest quality sharedrafts at the best price, ACUL Services, Inc. has partnered with Clarke American. They are devoted to serving credit unions with products best suited for their members and are conveniently located in Phoenix. Their dedicated credit union division is here to help make your sharedraft program successful with their package enhancements and marketing tools.

Debit Card Solutions
ACUL Services, Inc. is able to offer your credit union debit card processing through Fidelity National Information Services (formerly Certegy). FIS has many years of experience in debit card processing. FIS understands the importance of keeping pace with the rapidly changing and competitive card industry. They provide turnkey programs offering a full range of support, specialized services and program enhancements.

We also have an alternative for low-income credit unions with limited staff availability. Through the Illinois Credit Union League we offer the Apollo Program. This debit card program is designed for credit unions that may find processing and servicing with a traditional credit card company to be too expensive for their institution. This low cost option is a great way to service members of smaller credit unions

EFT Processing and ATM Driving
If your credit union is in need of dependable, cutting-edge Electronic Funds Transfer (EFT) service, turn to ACUL Services, Inc. We have an ATM solution to fit your needs through First Data Debit Services. First Data Debit Services features STAR®, a pioneering, coast-to-coast electronic payments network and an expert in secure, real-time electronic transactions. In addition to pin transaction processing, ATM monitoring and authorization services, Star® is the nation's largest ATM driver, driving one in four ATMs in the U.S. The Star® network also connects ATM/debit cardholders to their money at over 1.3 million locations coast to coast.

Exclusive Credit Union ATM Network
ACUL Services, Inc. is proud to offer credit unions the Member Access Network. This national credit union-only ATM network is mutually owned by 11 state leagues including your Arizona Credit Union League. Member Access is one of the only national credit union networks offering a deposit-sharing program. Your members can make deposits in any of the 5,600 machines that accept deposits nationwide. The network is currently switching over 600,000 ATM transactions and over 200,000 POS transactions monthly. Your members can find ATM locations by using CUNA's website at www.cuna.org or by calling the toll-free Locator Service at (888) 314-3434.

Automated Teller Machine Solutions
If your credit union is in the market for ATMs and ATM servicing, look no further than ACUL Services, Inc. Diebold is our chosen vendor for ATM products and servicing. Dedicated to the credit union industry, Diebold provides competitive pricing, state of the art equipment and top-notch service. With Diebold, ACUL Services, Inc. can provide ATM solutions for any size credit union.

Automated Teller Machine Location Service
ACUL Services, Inc. provides a free ATM location guide service for Arizona credit unions. This service is available via the internet at www.azcreditunions.org, email or hard copy. The service is updated bimonthly and lists ATM locations, restrictions (e.g. deposit taking only, business hours only) and networks specific to the location.