In this issue:

Bump Your Bank and Win!
Make Sure Your ATM/Debit Card Works How You Want
Savings Keep Growing with Invest in America
How to Fix Credit Report Errors

Bump Your Bank and WIN!

Did you know that Credit Unions save American consumers $13 billion* a year? How much are you saving? If you are still using a bank, maybe not so much! Now is a great time to Bump Your Bank for Ohio HealthCare Federal Credit Union!

You can play toWINcash & prizes in 3 easy steps...

1. Ask a credit union representative for a free BumpYourBank car magnet.
2. Place the magnet on the back of your vehicle and register online at www.bumpyourbank.com.
3. Check the website to see if your license plate has been spotted to win the cash or prize!

More than $5,000 in cash and prizes from August to December 2010!

Visit www.bumpyourbank.com for more info!

* The combination of higher yields on savings, lower loan interest rates and lower fees translates into big financial benefits for credit union members. The Credit Union National Association (CUNA) estimates that the benefits credit unions provide members totaled $8 billion or $170 per member household in the year ending September 2009. In addition, credit union presence in the marketplace makes bank pricing more consumer-friendly than it otherwise would be. The benefit this moderating influence has on bank customer pricing is estimated by CUNA to total $5 billion in the year ending September 2009.

Make Sure Your ATM/Debit Card Works the Way You Want it To!

Overdraft Privilege Pay allows a payment to be made even if you don't have enough money in your account. OHCFCU extends Overdraft Privilege Pay automatically to eligible accounts to help cover checks, automatic withdrawals, ATM transactions, and everyday Debit Card purchases.

Have you notified us about your preference? If not, you need to let us know whether or not you want us to cover your ATM transactions or everyday Debit Card purchases with Overdraft Privilege Pay.

If you want your ATM or Debit Card to work as it always has, you should choose to "opt in". If you do not want us to cover ATM transactions or everday Debit Card purchases if you DO NOT have the money in your account to cover them, you should choose to "opt out".

Complete a form online at www.ohcfcu.com, call us at 866-254-4791, or visit one of our branches to notify us of your preference.

The Savings Keep Growing for OHCFCU Members with Invest in America

OHCFCU is proud to participate in Invest in America, a unique program offering our members' discounts on products and services from U.S. based companies. It not only gives our members valuable discounts, but it also increases sales for the participating companies and, on a larger scale, helps stimulate the U.S. economy. Basically, Invest in America is a win-win for everyone.

Simply visit www.LoveMyCreditUnion.org to learn how, as a member of OHCFCU, you can receive money-saving discounts from: General Motors, Sprint, Allied Van Lines, FTD, CU Benefits Express, CompleteTax, DIRECTV and through ShopAmerica, a new online mall specifically for credit union members .

We are here to help our members save with respected U.S. companies at a time when everyone needs it most. To learn more about Invest in America and details on all the current discounts visit LoveMyCreditUnion.org.

How to Fix Credit Report Errors

Credit report errors can cost you a better credit score. Don't let outdated, incomplete, or erroneous information sink your credit score. A federal law - the Fair Credit Reporting Act - gives you the right to dispute information in your credit report. A dispute filed with a credit reporting agency triggers an investigation through the creditor. The creditor reports back to the credit reporting company, which then notifies you of the results within 30 to 45 days. The data will either be deleted, corrected or, if verified, remain on your credit report. If any changes are made, the creditor must send the update to any credit reporting agencies that originally received the incorrect data.

How to correct credit reports

1. Order your credit report. To dispute something on your credit report, you need a copy that's no more than 90 days old.
2. Review it for errors. Negative information that is more than 7 years old (10 years for Chapter 7 bankruptcies) can be removed and should be disputed.
3. File a dispute. Initiate a dispute with the credit reporting agency that provided the report containing the error. There are three ways to dispute: online, in writing or on the phone.

View contact information for all three credit report agencies on our website at http://www.ohcfcu.com/agencies.htm.

Source: www.bankrate.com