COVID-19 (Coronavirus) Branch Updates Effective as of 10/01/2021
Our branch locations are currently open and operating during normal business hours. If you plan to stop by a branch, protective masks are recommended, and member appointments are highly encouraged since lobby capacity may be limited to ensure social distancing. You may click the button below to schedule an appointment at your preferred branch.
When entering a branch lobby for service, if wearing a face mask or covering, you will be asked to present a valid Photo ID and briefly lower your mask for identification purposes. We appreciate your cooperation as we work to maintain a secure environment for everyone. Our top priority is ensuring employees' and members' safety while delivering the best service possible. Any updates will be communicated on ourwebsiteand via social media.
This year for the Women in Business edition, Carolina Trust chose to recognize the women in our Operations Department.
In support of Breast Cancer Awareness Month, a portion of the Women in Business section's proceeds will be donated to Caring in Our Lifetime, which assists local women and men suffering from breast cancer. During the month of October, Carolina Trust employees will also be wearing pink ribbons, to support the cause.
Pictured from left to right are: Christina Naylor, Chief Operations Officer; Audrey Turner, VP Member Experience; Keli Herring, AVP Operations Support; Nicole Barringer, AVP Quality Assurance
Employee Updates
Carolina Trust Federal Credit Union Announces Employee Promotion
Quentin Pickett was recently promoted to Director Facilities Management.
Pickett was hired as Facilities Specialist in September of 2019. Prior to his employment at Carolina Trust, Pickett has worked in HVAC and maintenance.
Pickett is a veteran of the United States Navy, in which he served from 1991-1997. During his service, he was an electrician in the navy’s nuclear power program aboard the aircraft carrier, USS Dwight D Eisenhower.
Pictured above: Quentin Pickett, Director Facilities Management
Coin Toss Kid
Parents of Chanticleer fans ages 5-13 can now register their child for a chance to be the next CCU Coin-Toss Kid! One lucky participant will be randomly selected before each of the seven home games*.
Winners will receive four tickets to a CCU home football game, one parking pass, a CCU Prize Pack, and the opportunity to accompany the team captains and referees for the official pre-game coin toss.
*No purchase necessary to enter or w in. Must be age 5-13 to participate. All eligible entries, as provided in the Official Contest Rules, must be received August 16, 2021 through November 15, 2021. An authorized adult or guardian must accompany each w inner to the game. Winners must have verifiable parental or guardian permission to enter. For complete details and Official Contest Rules visit carolinatrust.org. Entry in this promotion or acceptance of any prize constitutes acceptance of the Official Contest Rules.
Pictured Above: Justin Wyatt, Horry County Police Department Captain; August, Carolina Trust Brand Ambassador; and Brittany Martin, Horry County Animal Care Center Supervisor
Did you know October is Adopt a Shelter Pet month? On a recent segment of Living Local Carolina Financial Friday, Brand Ambassador, August headed to the Horry County Animal Care Center to meet some of their available pets and learn more about the shelter.
Pictured Above: Conway Tellers. Stef Reyes-Alvarez and DonUnique Grate
Breast Cancer Awareness
Carolina Trust raised awareness for breast cancer by wearing pink! We wore pink ribbons all week long and finished off the week by wearing pink apparel. Wearing pink is a simple way to show all women and men who have dealt with Breast Cancer that they’re not alone.
Pictured Above: Friend of the Credit Union, Chef Jamie Daskalis and Son
Pride in the Park
Carolina Trust was a proud sponsor of the Kidzone at Myrtle Beach Pride in the Park Festival
Blog Posts
DIY Dollar Tree Fall Décor
One of my favorite things about being a homeowner is decorating my house for each season. With the first day of fall being next week, I figured it was about time to get started on my fall décor. Unfortunately, the décor had been picked over everywhere I looked or was super expensive, so I decided to make my own.
Everyone loves a good showdown; It's why we're all so plugged into football season right now. But what about a financial showdown, credit cards vs. debit cards.
It's a good practice to check your credit report for fraudulent activity annually. The three major credit bureaus, Equifax, Experian and TransUnion, will provide you with a free copy of your credit report upon your request once every 12 months. These three national credit reporting agencies have established one central website, phone number, and mailing address to use for ordering your report. The credit bureaus will provide the free annual reports only through this central location and not through their individual websites, telephone numbers, or web addresses. Be cautious of websites offering "free" credit reports since you do not need to go through third party providers.
For your free credit report, contact the Annual Credit Report Request Service by Web: www.annualcreditreport.com, Toll-Free Telephone: 877.322.8228, or Mail: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Since you are entitled to one free annual report from each of the three bureaus, you can get them all at one time or stagger the requests throughout the year. If you request the report online, you should be able to view it immediately. Requests made by phone or mail will take approximately 15 days to process
Inactive Account Reminder
If you make routine deposits to your savings, pay down a loan, or use your checking account or VISA® credit card, then your account is considered active. However, if you have a Carolina Trust savings, checking or loan account that has not received a transfer, withdrawal or transaction within the past 12 months then that account is considered inactive. A $5 inactivity fee will be charged each month the account remains inactive. This fee will continue to be charged until you make a minimum $1 transaction to your account, until your balance is $0 or for five years, whichever comes first. After five years of inactivity, the account is considered dormant and abandoned property by the state of South Carolina. Carolina Trust is required to turn any abandoned account over to the State. Carolina Trust's Inactivity Account Policy applies to all youth and adult accounts, excluding IRAs. You can prevent an inactive status by making at least one deposit, withdrawal or transfer to your account(s) within a 12-month period.
Federal Regulation D
The US Government requires all financial institutions to enforce Federal Regulation D, which limits the number of transactions that can be made from a depository account during a calendar month. A depository account is defined as a savings-only or money market* account. Members may not make more than six (6) transfers or withdrawals from a depository account during a month by the following means:
• Online banking
• ACH
• ATM transaction at merchant
• Telephone transfer (either by E-Z Teller Audio Response or through a Member Service Representative)
• Automatic overdraft protection transfer from your savings or a joint account
Carolina Trust is federally required to refuse any transfer or withdrawal from a depository account that exceeds the Fed Reg D limitations. If you should exceed the monthly limitations on your savings or money market account, any transfer or withdrawal attempted from your depository account will be refused, the transaction will be returned for Non Sufficient Funds (NSF), and an NSF fee will be charged to your account. There is no limit to the number of withdrawals you may make from a depository account at a Carolina Trust branch or ATM location**. To avoid exceeding the "Reg D" limitations, monitor your account with the Regulation D Transaction eAlert, or utilize automatic draft (ACH) to have payments deducted from your checking account instead of your savings account. Also, consider setting up direct deposits to your checking as opposed to savings. Then you can transfer money from your checking to your savings without counting against your Reg D transactions.
*Money market accounts are assessed a fee for each withdrawal over 3 per month. **Savings accounts are assessed a fee for each withdrawal over 4 per month.
Reminders
All branches will be closed on Thursday, November 11th in Observance of Veterans Day.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency
Carolina Trust Federal Credit Union, PO Box 780004, Myrtle Beach, South Carolina 29578, USA, 8434482133
