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Payroll Deduction/Direct Deposit
SONEPCO offers payroll deduction and direct deposits to members as long as it is available through their employer. In addition, SONEPCO can set up automatic transfers for payments or deposits into savings accounts, kid’s accounts or a secondary account. All of these services are available to assist members in making their transactions as easy and convenient as possible.
Service Features:
- Available to all members – do not need a checking account.
- Can accept all or part of a member’s payroll.
- Can make splits – depositing portions of the payroll into various accounts and/or suffixes or to loans.
- Amount of deposit as well as account balances and other information can be obtained through Touch Tone Teller, sonepco.coop (internet), by phone or at the branches.
- Funds are available immediately upon deposit.
Service Benefits:
- Convenient. No need to stand in line on payday.
- Easy. Easy to set up and get started.
- Economical. Gives immediate access to funds.
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Touch Tone Teller
If you have a touch-tone telephone you can be in the Credit Union in moments, any time of the night or day, 365 days a year! Our telephone audio response service - TOUCH TONE TELLER - takes you electronically from your home (or wherever!) right in the credit union's computer to your accounts with the touch of a few keys! Amazing and truly convenient!
Service Features:
- Transfer funds
- Check Account Balances
- See if a check has cleared
- Request Tax information
- Make check withdrawals
- Order checks
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ATM Card
The ATM card with a member selected Personal Identification Number (PIN) provides access to cash, deposits and withdrawals from savings or checking and authorized credit lines at any ATM displaying the STAR, PLUS or CO-OP logos. All CO-OP ATMs are fee-free to SONEPCO members and there are thousands of locations including all Nevada 7-11 stores. The SONEPCO ATM card provides you access to your money 24/7.
Product Features:
- Gives access to primary savings and checking.
- Temporary cards are available at SONEPCO’s main branch.
- Replacement cards are available for a minimal cost.
- No annual fee.
- Member may change PIN in lobby of SONEPCO’s main branch.
- ATM transactions are surcharge free at all CO-OP ATM locations.
- There is a small per ATM transaction charge AFTER 6 transactions at foreign (NOT SONEPCO) ATMs.
- Provides Point of Purchase transaction availability at all participating merchant locations.
- Allows access of up to $3,000 per day per account.
- Deposits may not be available immediately until verified.
Product Benefits:
- Convenient. Accepted at almost any ATM or point of purchase.
- Safe. Can be cancelled immediately if lost or stolen.
- Economical. SONEPCO and Co-Op ATMs are fee-free.
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VISA Check/Debit Cards
The Visa Check Card or Debit card is an ATM card and more. It can be used like a Visa card but the funds come directly from the member’s checking account. The card is accepted worldwide by merchants who accept VISA and at most ATMs. Like the ATM card, if used at a SONEPCO ATM or any ATM with the CO-OP logo, transactions are fee-free. The Visa Check Card is a convenient source of payment and is available to members who have a checking account with SONEPCO.
Product Features:
- Gives access to primary savings and checking.
- No annual fee.
- Replacement cards are available for a minimal cost.
- Member can change PIN at SONEPCO’s main branch.
- ATM transactions are surcharge free at all CO-OP ATM locations.
- There is a small per ATM transaction charge AFTER 6 transactions at foreign (NOT SONEPCO) ATMs.
- Provides Point of Purchase transaction availability at all participating merchant locations.
- Allows access of up to $3,000 per day per account.
- Debit purchases limited to $3,000 per day.
- ATM deposits may not be available immediately until verified.
- Credit card cash withdrawals and purchases are limited to the available amount in the checking account (purchases).
- Customized card with member’s picture is available for a minimal cost.
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Traveling with your SONEPCO Debit Card?
Contact a Member Services Representative before you leave at (702) 871-0977 - Press Option 5 |
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Insurance Products:
SONEPCO provides a variety of insurance products including AD&D (Accidental Death & Dismemberment), Credit Life, Credit Disability, GAP (Guaranteed Asset Protection) and MMP (Major Mechanical Protection). All products are backed by reputable credit union partners and are competitively priced.
AD&D
A $1,000 AD&D (Accidental Death and Dismemberment) policy is available FREE to any SONEPCO member. Additional insurance can be purchased and other life insurance options are available.
Credit Life Insurance
Credit Life Insurance is available to members to protect their loans in the event of the death of the member or joint applicant. Rates are competitive and the monthly premium is automatically added to the loan. The insurance is generally added at the time of loan closing but can be added on later. Members must be under the age of 70 to qualify. The insurance can be purchased for just the member or as joint insurance for the member and co-applicant on the loan.
Credit Disability Insurance
Credit Disability Insurance is available to members to protect their loans in the event they are disabled for more than 30 days and are unable to work either temporarily or permanently. Rates are competitive and the monthly premium is automatically added to the loan. The insurance is generally added to the loan at the time of closing but can also be added on later. The insurance can be purchase for just the member or as joint disability insurance for the member and co-applicant on the loan.
GAP
GAP or Guaranteed Asset Protection insurance covers the “gap” between the value of a vehicle and the amount still owed on the vehicle. This protects the borrower in the event the vehicle is stolen (unrecovered), or it is totaled in an accident. The policy also provides an allowance of $1,000 toward the down payment of a replacement vehicle. Premiums can be paid in cash or financed into the loan. GAP covers up to 125% of the MSRP and up to 72 months on the loan.
MRC
Mechanical Repair Coverage is available to members to provide protection against costs associated with most unexpected mechanical breakdowns. This insurance can be added to the loan at any time provided certain criteria are met. MRC premiums may be paid for up front or may be added to the loan. Benefits include: 24-hour roadside assistance, emergency tire repair, lost key and lockout assistance and rental car provisions. The policy is transferable upon sale of the vehicle and options are available for either new or used cars. MRC is comparable to dealer extended warranties at about 1/3 the cost.
Service: Excess Share Insurance (ESI)
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Notary
The credit union provides Notary service at no cost to its members. The type of notarial acts that the credit union can perform are those where the Notary witnesses the member signing a document. No other type of Notary service is provided.
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Medallion
The Medallion Guarantee is used when stock is going to be negotiated. This specific type of "signature guarantee" is required by the Securities and Exchange Commission. Before you come to the credit union for this service, you may want to call ahead to make an appointment as completing this guarantee can be time consuming. Our numbers are 702 871-0977 OR 800 677-6602.
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Traveler's Checks
The credit union is proud to offer American Express Traveler's Checks and Gift Checks to its members. They are offered in the following denominations:
| Gift Checks: |
$25.00 |
$2.00 per item |
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$50.00 |
$2.00 per item |
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$100.00 |
$2.00 per item |
| Traveler's Checks, pre-packaged ($1.00 per hundred): |
| $20 denomination |
$200.00 |
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| $50 denomination |
$150.00 |
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$250.00 |
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$500.00 |
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| $100 denomination |
$300.00 |
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$500.00 |
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$1,000.00 |
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| $500 denomination |
$2,500.00 |
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Have you lost your Traveler's Checks?
Contact American Express directly and immediately at 800 221-7282.
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VISA Gift Cards
The credit union offers pre-paid VISA Gift Cards which can be purchased from $10 to $500. There is a $5.00 fee for each card. These gift cards are accepted worldwide where ever VISA is accepted.
Register Your Gift Card Online
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Money Orders
The credit union offers Traveler''s Express International Money Orders which can be purchased in amounts up to $1,000.00. The cost is $1.00 per item.
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Wire Transfers
The credit union can wire transfer your funds for you anywhere in the United States and abroad, at a cost of $20.00 per (domestic) outgoing wire and $25.00 per (foreign) outgoing wire. Please give the following information to the credit union prior to 1:00 p.m. for the wire to be sent the same day:
First Receiving Bank
Routing and Transit #
Name
City, State |
Final Credit to:
Account #
Savings or Checking
Name
Address |
Second Receiving Bank (if applicable)
Routing and Transit #
Name
City, State |
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| Other Instructions: |
As necessary |
Following is an Example of a wire coming into your account:
1220-4121-9
Western Corporate Federal Credit Union
San Dimas, CA |
to credit:
1000-0 savings
Sue Brown
6475 W. Sahara Ave.
Las Vegas, NV 89146 |
3224-8427-8
Sonepco Federal Credit Union
Las Vegas, NV |
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| other instructions: |
to pay car loan in full |
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Discounts/Memberships
A number of local businesses and amusement parks have offered discounts to members of the credit union. We have the brochures/coupons displayed in the lobby of the credit union. Occasionally, some Amusement Parks will provide us with discounted tickets for sale - give us a call to see what we have available!
Phone: 702 871-0977 OR 800 677-6602
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Safe Deposit Boxes
The credit union offers Safe Deposit Boxes to safeguard your valuable items and important papers. Safe Deposit boxes are available at the credit union’s office on Sahara. You may choose from the following sizes:
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3 x 5
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$15.00 annually
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5 x 5
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$20.00 annually
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3 x 10
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$30.00 annually
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5 x 10
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$50.00 annually
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Your credit union safe deposit box will keep your valuables safe from fire, theft and loss. If you’re interested in reserving one, please contact Kay at 871-0977.
Excess Share Insurance (ESI) is a licensed property and casualty insurance company insuring share deposit accounts for up to $250,000 in excess of the $100,000 limit imposed by NCUA the credit union’s primary insurer. This gives peace of mind to members who hold more than $100,000 in their accounts.
Service Features and Benefits:
- Insures funds in excess of the $100,000 already insured through NCUSIF (National Credit Union Share Insurance Fund) a federal government agency.
- Peace of Mind – allows members to keep more than $100,000 on deposit knowing that they are insured for up to $350,000.
Service Benefits:
- Convenient.
- Easy. Easy to set up and get started.
- Economical. Gives immediate access to funds.
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