In This Issue
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September 2018
Dear Member,

GenFed's monthly newsletter is designed to give the most information to help you stay on the right financial path.
Expand Your Knowledge 
Tax Deductions vs. Tax Credits.  Both tax deductions and credits help reduce your income tax liability but in different ways and for different reasons   Read more.

Budget for Holiday Gifts.  If you want to avoid overspending and racking up credit card debt this holiday season, now's the time to start planning and saving!   Read more.
The Responsibilities and Risks of Cosigning on a Loan.  Helping out friends and family feels good, but be sure you understand the responsibilities and risks of cosigning on a loan before offering to help them secure that cash.   Read More.
YOUR Credit Union News
The GenFed app, mobile banking, and online banking have been updated! eStatements and remote deposits (DeposZip) are integrated into the GenFed mobile app and our BillPay product has a new look too! And be sure to look for our app on the Apple watch!  Download our new app from the app store as the old app is no longer functioning.  Please be sure you have a current phone number on file with GenFed so that you can seamlessly log into the new system.  IMPORTANT: your old online banking account alerts, automatic transfers, and personalized settings may not have automatically moved over to the new platform. Please check all settings to be sure they are set up correctly.
Refer a Member and Get $5!
Refer a friend, family member, neighbor or co-worker to GenFed and we will give you both $5. Ask for a referral card (or 10) today.
Save Your Identity with eStatements.

Reduce your chances of being a victim of mail fraud by receiving your GenFed statement electronically.

Banking and paying bills online not only cuts off thieves' access to the papers they need to commit ID theft, but also helps detect the crime sooner because consumers who bank online check their accounts more frequently than those who receive statements by mail.

Sign up for eStatements by logging in to HomeBanking and clicking 'Accounts' and then 'eStatement'.