January 3, March 4, 2014

Size: px
Start display at page:

Download "January 3, March 4, 2014"

Transcription

1

2

3 January 3, State employees not enrolled in direct deposit were provided with a letter informing them of mandatory direct deposit enrollment effective July 1, Employees were presented with two options: - Enroll in Direct Deposit - Enroll in the CashPay Card program March 4, Centralized Payroll opened enrollment in the CashPay Card program on a voluntary basis to Treasury employees

4 April 25 - All state employees not enrolled in direct deposit (or in pre-note for direct deposit) received another letter regarding mandatory direct deposit enrollment - Employees were presented with the two options to comply with the mandate: - Enroll in direct deposit - Enroll in the CashPay Card program

5

6 Direct Deposit Enrollment Option - All new Direct Deposit applications MUST be received by Centralized Payroll by May 28, If your office has a courier coming to Centralized Payroll by May 23, the applications should be delivered by the courier - If your office does not have a courier coming to Centralized Payroll before May 23, applications should be faxed to Centralized Payroll at (609) to meet the May 28 deadline - You do not need to send the original application form if you fax it to our office - New direct deposit applications received after the May 28 deadline will not be processed until pay period 15 of Applications from current direct deposit enrollees to update their account information are not subject to this restriction

7 CashPay Card Option - If an employee does not wish to enroll in direct deposit, the employee MUST enroll in the CashPay Card program - Enrollment in the CashPay Card program is done exclusively through the Employee Self Service program - The April 25 letter contained enrollment instructions for both Employee Self Service and the CashPay Card program - Employees must enroll in Employee Self Service to enroll in the CashPay Card program - The deadline to enroll in the CashPay Card program is June 11, 2014

8 EMPLOYEES THAT DO NOT ENROLL IN EITHER DIRECT DEPOSIT OR THE CASHPAY CARD PROGAM WILL AUTOMATICALLY BE ENROLLED INTO THE CASHPAY CARD PROGRAM

9 CashPay Card Auto-Enrollment - Centralized Payroll will provide Bank of America with the employee s address on file for mailing of the CashPay Card - Employees should be told to check the address on their pay stub for accuracy and, if necessary, submit a new W-4 with their correct address so we can update our system - If the employee s address on file is not up-to-date, receipt of the CashPay Card may be delayed

10 June 20 - All state employees not enrolled in direct deposit will receive a letter with the June 20 pay check reminding them that this is their last live pay check - The letter states the July 3 pay check will be the first check deposited onto their CashPay Card - CashPay Cards will be mailed by Bank of America on June 18 to employees - If the employee enrolled in the program, the card will be sent to the address provided in enrollment - If the employee did not enroll in the program, the card will be sent to the address in Centralized Payroll s system, which appears on the employee s pay stub

11

12 - Employees may request to be exempt from the mandatory direct deposit law and continue to receive a live pay check - An exemption form is available upon request - The form must be filled out completely and submitted to Centralized Payroll by June 11, 2014 for review - Limited access to a computer to view pay stubs or a reluctance to enroll in direct deposit or the CashPay Card program will NOT be considered sufficient reasons to grant an exemption to the mandatory direct deposit law - All decisions are final

13 Current Exemptions - Seasonal employees in Temporary Employment Service Positions to NJ National Guard activated for State emergencies - Former State of New Jersey employees with retroactive contractual payments of Back Pay Awards - Recipients of wage payments as a result of a consent decree - Employees with a disability that prevents them from using a computer to access their pay stubs

14 Medical/Disability Exemption - Exemption for medical/disability reasons must be certified by the employee s Human Resources unit - A letter explaining the medical/disability exemption reason must be included with the exemption application - The letter must be signed by the Agency s HR Officer

15 Pay Period 13 New Hires - Employees that begin state employment pay period 13 WILL NOT be automatically enrolled into the CashPay Card program for the July 3 pay check HOWEVER - Starting pay period 13, all newly hired employees will have 2 pay periods to submit a direct deposit application or enroll in the CashPay Card program - Employees that do not take action will be automatically enrolled into the CashPay Card program by Centralized Payroll

16 New Hire Example - John Smith starts working for the state on June 2, 2014, the first day of pay period 13 of 2014 (pay date 6/20/14) - John Smith must submit a direct deposit application or enroll in the CashPay Card program by pay period 15 of 2014 (pay date 7/18/14) - If John Smith takes no action, Centralized Payroll automatically enrolls John Smith into the CashPay Card program effective pay period 16 of 2014 (pay date 8/1/14)

17 - If your payroll has employees that should be exempt, you need to notify Centralized Payroll before June 11 so we can remove them from the auto-enrollment list - Centralized Payroll will review each exemption request to confirm the employees qualify for exemption

18

19 - As of pay period 11, 4,520 employees are eligible for the CashPay Card - 55 of these employees have submitted authorizations to enroll in the CashPay Card program of these employees do not have a mailing address on file - If these employees do not submit a W-4 to Centralized Payroll to update their address, their CashPay Card will be sent to your payroll office and you will be responsible for distributing the CashPay Card to the employee

20 - As of pay period 11, 4,520 employees are eligible for the CashPay Card - 55 of these employees have submitted authorizations to enroll in the CashPay Card program of these employees do not have a mailing address on file - If these employees do not submit a W-4 to Centralized Payroll, their CashPay Card will be sent to your payroll office and you will be responsible for distributing the CashPay Card to the employee

21 - A listing of the employees on your payroll that require a W-4 to update their address in our system is available upon request - Please Patrick to request this list

22

23 Q: When will my paycheck be deposited onto my CashPay card? A: Paychecks are deposited onto the CashPay card on pay day by 8am.

24 Q: What about supplemental pay checks? A: Centralized Payroll is in the process of moving supplemental pay checks to direct deposit. When completed, all supplemental pay checks will be deposited into an employee s direct deposit bank account or CashPay Card, depending on the program the employee is enrolled in. Moving the supplemental payroll deadline date to Friday of pay week is the first step in this process. Payrolls will be notified when the transition to direct deposit for supplemental pay is complete.

25 Q: Can I take all my money out on pay day? A: Yes, you can. Just visit any Bank of America branch and go to the teller to request the funds from your CashPay Card. You can also withdraw funds from any Bank of America ATM with no fee. You can also withdraw funds from a non-bank of America ATM twice per month without incurring a Bank of America fee (fees from the non-bank of America ATM itself may be charged). Withdrawals from the ATM may be limited to the ATM s daily withdrawal limit.

26 Q: Can I use my CashPay Card for debit/credit card purchases? A: Yes. As long as funds are in the CashPay Card account you can make debit/credit card purchases at any merchant that accepts Visa cards.

27 Q: Will the state provide me with a statement for my CashPay Card? A: No. Employees can check the balance on their card and view transactions on Bank of America s CashPay Card website. They can also check the balance on their CashPay Card account at any ATM or by calling the Customer Service line on the back of the card.

28 Q: What happens to my pay stub? A: Employees enrolled in direct deposit and the CashPay Card program will be able to view and print a copy of their pay stubs online through the Employee Self Service program.

29 Q: I lost my CashPay Card? What do I do? A: Contact Bank of America and they will mail you a replacement card. There is no fee for the first replacement card each year, and a $5.00 fee per replacement for the rest of the year.

30 Q: What if an employee needs to change their direct deposit account information? A: Direct deposit account changes will continue to be processed as they are now. The employee will NOT be enrolled in the CashPay Card while the application is in the the one pay period prenote/account verification process with their bank. The employee will receive a live pay check for the pre-note pay period.

31 Q: What if an employee needs to cancel their direct deposit? A: Employees can still cancel their direct deposit, however they will need to either a) re-enroll in direct deposit with a new bank account, or b) enroll in the CashPay Card program within 2 pay periods of direct deposit cancellation. Failure to take action after direct deposit cancellation will result in the employee being automatically enrolled into the CashPay Card program by Centralized Payroll.

32 Q: My husband gets a pay check from his job. Can I deposit his pay check into my CashPay Card account? A: No. Employees do not have the ability to make any deposits into their CashPay Card account. The only deposit made into the account will be the employee s pay check on pay day.

33

34 MAY 28 Deadline for submission of new direct deposit applications JUNE 11 Deadline for submission of CashPay Card Authorizations on Employee Self Service

35 JUNE 20 Final live paycheck for state employees JULY 3 First paycheck deposited onto CashPay Cards

36 We STRONGLY RECOMMEND that employees sign up for direct deposit or enroll themselves in the CashPay Card program by these deadline dates to avoid any confusion on July 3.

37

Nine Month Faculty Annualized Pay Option Program Enrollment Process

Nine Month Faculty Annualized Pay Option Program Enrollment Process Nine Month Faculty Annualized Pay Option Program for the 2017-2018 Academic Year Open to all faculty members on a nine-month academic year appointment, the Nine-Month Faculty Annualized Pay Option Program

More information

Questions and Answers About Payroll Transition as of 11/14/18

Questions and Answers About Payroll Transition as of 11/14/18 Questions and Answers About Payroll Transition as of 11/14/18 What is Davidson changing about the payroll process? Effective January 1, 2019, the college will consolidate pay dates for all non-student

More information

Personal Finance G

Personal Finance G Personal Finance 1.13.1.G Almost 31% of an individual s paycheck is deducted Taxes are the largest expense most individuals will have Therefore, it is important to understand the systematic deductions

More information

G1. Income & Paychecks. Taxes, W-4, Reading a Paycheck

G1. Income & Paychecks. Taxes, W-4, Reading a Paycheck Income & Paychecks Taxes, W-4, Reading a Paycheck Sources of Income Gifts Investments Financial Aid/Scholarships Self Employment Wages A PAYCHECK! What are the advantages/disadvantages of self-employment?

More information

AUTOMATED LOANS This feature is currently only available for clients that have elected our Full Service/Bundled Recordkeeping feature.

AUTOMATED LOANS This feature is currently only available for clients that have elected our Full Service/Bundled Recordkeeping feature. LOANS The Group Annuity Contract permits loan withdrawals to Plan Participants, without incurring a Contingent Withdrawal Charge, if otherwise applicable. Your Plan document must authorize Plan loans.

More information

Member s Guide to: DROP. Deferred Retirement Option Plan.

Member s Guide to: DROP. Deferred Retirement Option Plan. Member s Guide to: DROP Deferred Retirement Option Plan www.op-f.org PLAN DEFERRED RETIREMENT DROP The Deferred Retirement Option Plan (DROP) is an optional benefit that allows eligible police officers

More information

What is the deadline to return my forms? What are Flex Credits? How do I complete my Benefit Forms?

What is the deadline to return my forms? What are Flex Credits? How do I complete my Benefit Forms? What is the deadline to return my forms? What are Flex Credits? How do I complete my Benefit Forms? http://www.maricopa.edu/employees/divisions/hr/benefits/newhire HR Administration / Benefits Office When

More information

AE Frequently Asked Questions:

AE Frequently Asked Questions: AE Frequently Asked Questions: 1. Who is my target customer? Any merchant that has any number of employees that are still receiving paper checks. When reviewing the probing questions please note the responses

More information

Plan Administrator Guide

Plan Administrator Guide Plan Administrator Guide TABLE OF CONTENTS 3 Secure Employer Website 4 Enrollment Center 5 Billing Management 6 Reports 7 Eligibility and enrollment 8 Special enrollment We provide tools to make it easy

More information

Social Security Alternative Retirement Plan for Other Personal Services (OPS) Employees RFI NO.: DMS 08/09-080

Social Security Alternative Retirement Plan for Other Personal Services (OPS) Employees RFI NO.: DMS 08/09-080 Request for Information for Social Security Alternative Retirement Plan For Other Personal Services (OPS) Employees RFI No.: DMS 08/09-080 REQUEST FOR INFORMATION Social Security Alternative Retirement

More information

Frequently Asked Questions about retiring

Frequently Asked Questions about retiring Frequently Asked Questions about retiring Do I apply to retire through MPERS or my employer? Your Notice of Retirement form must ultimately be submitted to MPERS. You can complete the Notice of Retirement

More information

Welcome To Tri-County Technical College

Welcome To Tri-County Technical College Tri-County Technical College Personnel Office 7900 Hwy 76, Pendleton, SC 29670 RH Library/Administration Building, Room 103 864-646-1792 Welcome To Tri-County Technical College We are pleased that you

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

MEMBERSHIP MANUAL TABLE OF CONTENTS. ELIGIBILITY 1 Exceptions to Mandatory Membership Felony Convictions

MEMBERSHIP MANUAL TABLE OF CONTENTS. ELIGIBILITY 1 Exceptions to Mandatory Membership Felony Convictions MEMBERSHIP EMPLOYER MANUAL TABLE OF CONTENTS ELIGIBILITY 1 Exceptions to Mandatory Membership Felony Convictions PLAN PROVISIONS 4 Plan 1 Plan 2 Hybrid Retirement Plan Employer-Sponsored Hybrid 403(b)

More information

New Client Implementation Guide

New Client Implementation Guide New Client Implementation Guide TABLE OF CONTENTS Program Success 3 Frequently Asked Questions 4 What is the best way to eliminate checks? What is the difference between direct deposit and a payroll card

More information

PO Box 179 Greenbelt, MD esfcu.org

PO Box 179 Greenbelt, MD esfcu.org PO Box 179 Greenbelt, MD 20768-0179 301.779.8500 esfcu.org Electronic Fund Transfers Agreement and Disclosure This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and

More information

Overdraft and Courtesy Pay FAQ

Overdraft and Courtesy Pay FAQ What is an overdraft? An overdraft occurs when you do not have enough money in your account to cover a, but we pay it anyway. We can cover your overdrafts in two different ways: 1. Through the standard

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

BENEFITS Revised November c. Establish City policy regarding certain elements of the benefit package; and,

BENEFITS Revised November c. Establish City policy regarding certain elements of the benefit package; and, A. PURPOSE 1. The purposes of this Section are to: a. Provide employees with some information about the Tooele City benefit package; b. Summarize employee benefit eligibility; c. Establish City policy

More information

Employee Stock Purchase Plan

Employee Stock Purchase Plan Employee Stock Purchase Plan Prospectus dated July 30, 2009 for the CARMAX, INC. AMENDED AND RESTATED 2002 EMPLOYEE STOCK PURCHASE PLAN As Amended and Restated June 23, 2009 8,000,000 shares of CarMax,

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Electronic Funds Transfer Disclosure and Agreement

Electronic Funds Transfer Disclosure and Agreement Electronic Funds Transfer Disclosure and Agreement Effective August 3, 2017 If RTN Federal Credit Union has issued an Automated Teller Machine card ( ATM ), Point of Sale card ( POS ) or Visa Check card

More information

Service and Support for your Retirement Plan

Service and Support for your Retirement Plan Principal MPF Scheme Series 600 and 800 Service and Support for your Retirement Plan Employer Guide Contents Introduction of Employer Guide 1 New Business Installation 2 Enrolment 3 Contribution / Billing

More information

Child Care Plus - Frequently Asked Questions Guide

Child Care Plus - Frequently Asked Questions Guide Program Eligibility 1. What are the eligibility requirements for Child Care Plus? Child Care Plus is available to income-eligible employees who meet all of the following criteria: Be a U.S.-based employee

More information

Allstate 401(k) Savings Plan

Allstate 401(k) Savings Plan Allstate 401(k) Savings Plan This Summary Plan Description (SPD) describes the principal provisions of the Allstate 401(k) Savings Plan (the Plan ), effective as of January 1, 2018, unless otherwise noted.

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

401(k) How To s This contains limited information about the salesforce.com 401(k) plan. For more detail, refer to the Summary Plan Description.

401(k) How To s This contains limited information about the salesforce.com 401(k) plan. For more detail, refer to the Summary Plan Description. 401(k) How To s This contains limited information about the salesforce.com 401(k) plan. For more detail, refer to the Summary Plan Description. Eligibility How soon after my date of hire can I enroll in

More information

PERA phrase. The. New allowable service credit laws to impact contribution reporting process. 3rd Quarter In this issue:

PERA phrase. The. New allowable service credit laws to impact contribution reporting process. 3rd Quarter In this issue: The PERA phrase The employer newsletter of the Minnesota Public Employees Retirement Association 3rd Quarter 2001 In this issue: 1 New allowable service credit law 2 PERA moving its offices 2 Successful

More information

Biweekly Lag Pay Frequently Asked Questions

Biweekly Lag Pay Frequently Asked Questions Biweekly Lag Pay Frequently Asked Questions Transition Resources As you may know from previous communications, the Judicial Branch was informed of a decision made by the Colorado Executive Branch to change

More information

Retirement Services Office. 221 UT CONFERENCE CENTER BUILDING (865) or UTHR

Retirement Services Office. 221 UT CONFERENCE CENTER BUILDING (865) or UTHR Retirement Services Office 221 UT CONFERENCE CENTER BUILDING (865) 946-8847 or 1-888-444-UTHR retirement@tennessee.edu Planning Your Pension Retirement Personal Savings Social Security Are You a Previous

More information

Business Banking Services

Business Banking Services Business Banking Services Welcome! This guide has been created to provide you with important information regarding your accounts. It includes specifics about your bank account transition and answers to

More information

Although no interview is required, when an interview is conducted, it is with the applicant or his representative.

Although no interview is required, when an interview is conducted, it is with the applicant or his representative. APPLICATION/REDETERMINATION PROCESS A. APPLICATION FORMS A DFA-2 is used. 5/12 292 588 627 641 A reapplication is treated as any other application except in situations when a new form is not required.

More information

2016 Year End Guide. Dear Valued Payroll Dynamics Client,

2016 Year End Guide. Dear Valued Payroll Dynamics Client, 2016 Year End Guide Dear Valued Payroll Dynamics Client, The end of 2016 is approaching! Payroll Dynamics knows that our clients rely on us to guide them through the complexities of year-end payroll and

More information

The Freedom of pportunity. Low Rates. 0% Balance Transfers

The Freedom of pportunity. Low Rates. 0% Balance Transfers 0% APR* Introductory Balance Transfers for the first 6 billing cycles Rates as low as 9.9% APR* to 13.9% APR* The Freedom of pportunity Reasons to Switch to PeoplesChoice Freedom Visa 0% Balance Transfers

More information

Supporting Documentation Dependent Verification

Supporting Documentation Dependent Verification Supporting Documentation Dependent Verification CalPERS is required under the Affordable Care Act (ACA) to report to the IRS who is enrolled in their health plans. As such, CalPERS requires the employer

More information

MAKE THE SWITCH JOIN THE COMMUNITY. Make the. Switch Kit

MAKE THE SWITCH JOIN THE COMMUNITY. Make the. Switch Kit MAKE THE SWITCH JOIN THE COMMUNITY Make the Switch Kit Switch banks in a few easy steps. Switching banks doesn t have to be a hassle. You re looking at United Community Bank s Switch Kit, containing everything

More information

PLANNING FOR THINKING ABOUT CHANGING YOUR HEALTH INSURANCE OPTION? OCTOBER 2013

PLANNING FOR THINKING ABOUT CHANGING YOUR HEALTH INSURANCE OPTION? OCTOBER 2013 PLANNING FOR OCTOBER 2013 For Employees of the State of New York who are unrepresented or in Negotiating Units other than CSEA that have agreements/ awards with New York State effective October 1, 2011

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Introducing Pension Plus and the Defined Contribution plan

Introducing Pension Plus and the Defined Contribution plan Introducing and the plan On the day you begin public school employment, you are automatically enrolled in the retirement plan. But you have a choice you can stay in the plan or switch to the plan. offers

More information

CABS New Employee Benefits Enrollment Guide. Coventry Corporate Benefits

CABS New Employee Benefits Enrollment Guide. Coventry Corporate Benefits CABS New Employee Benefits Enrollment Guide Coventry Corporate Benefits Table of Contents Overview Initial Login Screen Welcome Screen Personal Information screen (Adding Dependents and Beneficiaries)

More information

AIA MPF Employer Contribution Quick Guide

AIA MPF Employer Contribution Quick Guide AIA MPF Employer Contribution Quick Guide mpf.aia.com.hk Employer Contribution Quick Guide To help you easily fulfil your contribution obligations, AIA MPF provides you with various tools to ease your

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Benefits Status Change Guide

Benefits Status Change Guide Benefits Status Change Guide Effective January 1, 2019 Annual Benefits Enrollment is generally the only time you can enroll in or make changes to your benefits during the year, including your method for

More information

Biweekly Lag Pay Implementation

Biweekly Lag Pay Implementation Biweekly Lag Pay Implementation Transition Resources As you may know from previous communications, the Judicial Branch was informed of a decision made by the Colorado Executive Branch to change the schedule

More information

NEW YORK STATE TEACHERS RETIREMENT SYSTEM LOAN BILLING PROCEDURES

NEW YORK STATE TEACHERS RETIREMENT SYSTEM LOAN BILLING PROCEDURES NEW YORK STATE TEACHERS RETIREMENT SYSTEM LOAN BILLING PROCEDURES Districts monthly loan bills are available online in the Employer Secure Area (ESA) where they may be viewed and processed. Loan bills

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Standard Chartered Credit Card Frequently Asked Questions (FAQ)

Standard Chartered Credit Card Frequently Asked Questions (FAQ) Standard Chartered Credit Card Frequently Asked Questions (FAQ) 1 Credit card features What are the main features of Standard Chartered credit cards ("credit cards")? Our credit cards offer you up to 55

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

WELCOME TO THE AETNA HEALTHFUND HEALTH SAVINGS ACCOUNT (HSA)

WELCOME TO THE AETNA HEALTHFUND HEALTH SAVINGS ACCOUNT (HSA) WELCOME TO THE AETNA HEALTHFUND HEALTH SAVINGS ACCOUNT (HSA) Welcome to the Aetna HealthFund Health Savings Account (HSA). We know how important your employees are to you, and we want to work with you

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Benefits Services Oracle Employee Self Service And Web Page Services

Benefits Services Oracle Employee Self Service And Web Page Services Benefits Services Oracle Employee Self Service And Web Page Services Employees can now access many benefits services online through Oracle Employee Self Service. Select the BENEFITS option to enroll in

More information

Frequently Asked Questions DROP

Frequently Asked Questions DROP Frequently Asked Questions DROP Application Changing Employers Contributions Cost-of-Living Adjustment (COLA) Eligibility Extension Health Insurance Subsidy (HIS) Miscellaneous Reemployment Survivor Benefits

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Voluntary Retirement Incentive (VRI) FAQ

Voluntary Retirement Incentive (VRI) FAQ Voluntary Retirement Incentive (VRI) FAQ 1. What is the Voluntary Retirement Incentive (VRI)? The Voluntary Retirement Incentive (VRI) allows eligible employees of the Executive Branch to receive a payment

More information

MCU Check Card Agreement:

MCU Check Card Agreement: MCU Check Card Agreement: This agreement describes how to use your MCU Check Card and explains your rights and responsibilities as an MCU Check Card user. When you signed the MCU Check Card application,

More information

ATM/DEBIT LIMIT INCREASE FORM

ATM/DEBIT LIMIT INCREASE FORM ATM/DEBIT LIMIT INCREASE FORM Please select the checkboxes for the amount of increase you would like to do for each card. MEMBER INFORMATION NAME DATE ACCOUNT # ATM CARD Amount of ATM Increase: $500 $1000

More information

Switch Kit. Be sure to leave sufficient funds in your former account to cover any outstanding checks and automatic payments.

Switch Kit. Be sure to leave sufficient funds in your former account to cover any outstanding checks and automatic payments. Switch Kit We re making it quick and easy to switch banks with the new AmeriServ Switch Kit. We give you all the tools you need to move your bank account to AmeriServ as easily as possible. Just follow

More information

About Your Benefits 1

About Your Benefits 1 About Your Benefits 1 BENEFIT HIGHLIGHTS Your Benefits. Provide Immediate Eligibility for You and Your Family As a Full-time or Part-time Employee, you are eligible for coverage under most benefits on

More information

NOTE: Employees on the HSA medical plan may only sign up for the Tax Saver Dependent Care Account.

NOTE: Employees on the HSA medical plan may only sign up for the Tax Saver Dependent Care Account. Save money on your medical, dental and prescription expenses with the Tax Saver program! Look inside this packet to read about all the advantages of the Healthcare and Dependent Care Tax Saver programs

More information

FINANCIAL SERVICES GETTING TO KNOW YOUR FINANCIAL INSTITUTION

FINANCIAL SERVICES GETTING TO KNOW YOUR FINANCIAL INSTITUTION FINANCIAL SERVICES GETTING TO KNOW YOUR FINANCIAL INSTITUTION History of financial institutions Federal Reserve Act 12 Federal Reserve Districts Non-Banking Financial Institutions -Credit Unions -Savings

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

Your contributions. Company Match Contributions. Plan changes. Company Retirement Contributions. Plan highlights:

Your contributions. Company Match Contributions. Plan changes. Company Retirement Contributions. Plan highlights: The 401(k) Plan The UBS 401(k) Plan (the Plan ) is a qualified retirement savings plan that enables you to invest a portion of your own pay along with the firm s contributions. Plan highlights: The Plan

More information

A: Priority Enrollment

A: Priority Enrollment 2018-2019 ACCESS Program Access to Child Care Excellence, Services, and Support FAQ Assistant and Associate Professors, full Professors, Assistant, Associate, and full Professors in/of Practice, Assistant

More information

Health Plan. Coordinator. Handbook

Health Plan. Coordinator. Handbook Health Plan Coordinator Handbook 1 Welcome to Health Tradition Health Plan The Health Plan Coordinator Handbook is designed to help you deliver health benefits to employees. Please read the handbook carefully

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

U.S. Benefits Program Reminders for the New Year December 2014

U.S. Benefits Program Reminders for the New Year December 2014 U.S. Benefits Program Reminders for the New Year December 2014 In this year end bulletin, you ll read about actions that you can take in the coming months with respect to your JPMorgan Chase benefits,

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

CBandT.com The Switch Kit

CBandT.com The Switch Kit 502.259.2000 CBandT.com 502.633.1000 The Switch Kit Revised May 2013 The Switch Kit Switching to Commonwealth Bank & Trust Company is easy with The Switch Kit. 1 2 3 4 Open your new Commonwealth Bank &

More information

BENEFIT CHANGE REQUEST FORM (Qualifying Life Event)

BENEFIT CHANGE REQUEST FORM (Qualifying Life Event) BENEFIT CHANGE REQUEST FORM (Qualifying Life Event) Please read the following information carefully If you experience a Qualifying Life Event as described below, you are allowed to make certain changes

More information

FREQUENTLY ASKED QUESTIONS REGARDING MY POSTAL CREDIT UNION AND OAKLAND COUNTY CREDIT UNION COMPUTER CONVERSION October 1, 2016

FREQUENTLY ASKED QUESTIONS REGARDING MY POSTAL CREDIT UNION AND OAKLAND COUNTY CREDIT UNION COMPUTER CONVERSION October 1, 2016 FREQUENTLY ASKED QUESTIONS REGARDING MY POSTAL CREDIT UNION AND OAKLAND COUNTY CREDIT UNION COMPUTER CONVERSION October 1, 2016 CREDIT CARDS When will My Postal members receive their OCCU Visa Credit Card?

More information

Signature Advantage Checking. $25,000 or more None $24, or less $25.00

Signature Advantage Checking. $25,000 or more None $24, or less $25.00 Total Qualifying Balance Signature Advantage Checking $25,000 or more None $24,999.99 or less $25.00 - Minimum Opening Deposit: $100 - Total Qualifying Balance: The sum of balances in the Signature Advantage

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Employee Self Service Enrolling and Updating Direct Deposit

Employee Self Service Enrolling and Updating Direct Deposit Employee Self Service Enrolling and Updating Direct Deposit Employees can change direct deposit information in My HR System. This document will cover the following topics: Adding an account... 2 Editing

More information

Overdraft Privilege. E-ADV-2EL (Rev 08/13) Page 1 of 6

Overdraft Privilege. E-ADV-2EL (Rev 08/13) Page 1 of 6 Overdraft Privilege Overdraft Privilege is our discretionary overdraft service. Overdraft protection under our Overdraft Privilege service is expensive, and may not be the best option for you. We hope

More information

TMRS PAYROLL TRAINING REFERENCE GUIDE. What you need to know to file your city s Monthly Payroll Report (payroll)

TMRS PAYROLL TRAINING REFERENCE GUIDE. What you need to know to file your city s Monthly Payroll Report (payroll) TMRS PAYROLL TRAINING REFERENCE GUIDE What you need to know to file your city s Monthly Payroll Report (payroll) IMPORTANT POINTS 2 The most important points to remember from this guide are: The definition

More information

Benefits and Retirement

Benefits and Retirement Benefits and Retirement University Benefits & Retirement Office 221 UT CONFERENCE CENTER BUILDING (865) 946-8847 or 1-888-444-UTHR benefits@tennessee.edu Planning Your Pension Retirement Personal Savings

More information

Hardship Plan Questions & Answers Insurance Trust for Delta Retirees ( the Trust )

Hardship Plan Questions & Answers Insurance Trust for Delta Retirees ( the Trust ) Hardship Plan Questions & Answers Insurance Trust for Delta Retirees ( the Trust ) Assistance with paying Medical and Prescription Drug insurance premiums may be available to you as a Delta retiree, spouse,

More information

Convenience Services.

Convenience Services. Convenience Services www.ncsecu.org Convenience Services To efficiently serve members, State Employees Credit Union (SECU) offers a variety of convenience services. Branch Offices Branch offices are located

More information

Frequently Asked Questions DROP

Frequently Asked Questions DROP Frequently Asked Questions DROP Application Changing Employers Contributions Cost-of-Living Adjustment (COLA) Eligibility Extension Health Insurance Subsidy (HIS) Miscellaneous Reemployment Survivor Benefits

More information

AUTOMATIC ENROLLMENT E MPLOYER P ACKET SOUTHERN CALIFORNIA PIPE TRADES DEFINED CONTRIBUTION FUND 401(K)

AUTOMATIC ENROLLMENT E MPLOYER P ACKET SOUTHERN CALIFORNIA PIPE TRADES DEFINED CONTRIBUTION FUND 401(K) SOUTHERN CALIFORNIA PIPE TRADES DEFINED CONTRIBUTION FUND 401(K) AUTOMATIC ENROLLMENT E MPLOYER P ACKET 1) Auto-Enrollment Process 2) Defined Contribution Fund Supplement No. 2 3) Automatic Enrollment

More information

NYIT Self-Service Application Instructions Benefits Open Enrollment AAUP, Faculty and Staff

NYIT Self-Service Application Instructions Benefits Open Enrollment AAUP, Faculty and Staff NYIT Self-Service Application Instructions Benefits Open Enrollment AAUP, Faculty and Staff The NYIT Self-Service Application gives employees access to view and change certain Benefits data. Benefits which

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE 111 S. Hawthorne Street Elgin, IL 60123 ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities

More information

CONSUMER DEPOSIT ACCOUNT TERMS AND CONDITIONS

CONSUMER DEPOSIT ACCOUNT TERMS AND CONDITIONS CONSUMER DEPOSIT ACCOUNT TERMS AND CONDITIONS WELCOME TO M&T A GUIDE TO THE TERMS OF YOUR PERSONAL DEPOSIT ACCOUNTS On November 1, 2015, Hudson City Savings Bank ( HCSB ) merged into and became part of

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Summary Plan Description

Summary Plan Description Summary Plan Description January 2015 Table of Contents Establishment.............................................. 1 Eligibility.................................................. 1 Contribution Rates..........................................

More information

How to Use the Account Switch Kit

How to Use the Account Switch Kit How to Use the Account Switch Kit Switching your accounts from another financial institution has gotten a whole lot easier! The Account Switch Kit was developed to help new members make a smooth transition

More information

get cash withdrawals from savings account(s) with an ATM card get cash withdrawals from savings account(s) with a debit card

get cash withdrawals from savings account(s) with an ATM card get cash withdrawals from savings account(s) with a debit card ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this

More information

AIA MPF Contribution Guide

AIA MPF Contribution Guide AIA MPF Contribution Guide mpf.aia.com.hk To help you easily fulfil your contribution obligations, AIA MPF offers various tools to ease your administrative burden. Contribution Guide Three simple steps

More information

2017 Option Transfer Period

2017 Option Transfer Period SEPTEMBER 2016 Planning for Option Transfer For employees of the State of New York, their enrolled dependents, COBRA enrollees with their NYSHIP benefits and Young Adult Option enrollees New York State

More information

State of Florida Qualifying Status Change Event Matrix

State of Florida Qualifying Status Change Event Matrix A. Change in Enrollee s Legal Marital Status Marriage 1. Legally recognized marriage between two persons under any state or foreign law at the time the marriage was entered into by the parties. Common

More information

REIMBURSEMENT BENEFIT PLAN PARTICIPANT GUIDE

REIMBURSEMENT BENEFIT PLAN PARTICIPANT GUIDE PLAN YEAR 2018 CICERO SCHOOL DISCTRICT #99 REIMBURSEMENT BENEFIT PLAN PARTICIPANT GUIDE FSA Plan Information Contribution Limits for FSA The amount your employer will allow you to defer to the Healthcare

More information

Agency and University Personnel Officers and Benefit Coordinators. Changes in the Qualifying Status Change (QSC) event window and the QSC Matrix

Agency and University Personnel Officers and Benefit Coordinators. Changes in the Qualifying Status Change (QSC) event window and the QSC Matrix MANAGEMENT ADVISORY #12-011 DATE: September 25, 2012 TO: FROM: SUBJECT: Agency and University Personnel Officers and Benefit Coordinators Barbara M. Crosier, Director Changes in the Qualifying Status Change

More information

FAQs: State Exchange Model Notices

FAQs: State Exchange Model Notices FAQs: State Exchange Model Notices The Department of Labor (DOL) has posted a draft Exchange/Marketplace Notice on their website and wants your feedback on the model forms. According to Technical Release

More information

Before submitting forms to O.C.A., please note that the Company Name MUST be completed or we are unable to process application.

Before submitting forms to O.C.A., please note that the Company Name MUST be completed or we are unable to process application. Enrollment/Change of Status/Termination Request Form Instructions Before submitting forms to O.C.A., please note that the Company Name MUST be completed or we are unable to process application. Electing

More information

AIA MPF Contribution Guide

AIA MPF Contribution Guide PENSION - MPF AIA MPF Contribution Guide mpf.aia.com.hk To help you easily fulfil your contribution obligations, AIA offers various tools to ease your administrative burden. Contribution Guide Three simple

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Welcome to Money Essentials SM!

Welcome to Money Essentials SM! Money Essentials SM Welcome to Money Essentials SM! Money Essentials provides you with a valuable, easy to understand introduction to financial services and is designed to give you realistic choices in

More information

Checklist. New Employee Payroll Packet Print pages which require responses AND the I-9 for completion and submission

Checklist. New Employee Payroll Packet Print pages which require responses AND the I-9 for completion and submission New Employee Payroll Packet Student Workers, Work Study, and Temporary Employees Welcome to Great Falls College Montana State University! Listed below is a checklist with items that need to be completed

More information

MEMBER BENEFITS ONLINE SYSTEM

MEMBER BENEFITS ONLINE SYSTEM MEMBER BENEFITS ONLINE SYSTEM MBOS USER'S INFORMATION GUIDE FOR ACTIVE EMPLOYEES Welcome to the Member Benefits Online System (MBOS) MBOS is your most useful resource for getting accurate, up-to-date information

More information