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Financial Checklist Before Vacation

Before you go, take a trip through this helpful guide.

Super cheap airfare? Check. Great hotel at a bargain rate? Got it. Guided tour of one of the world’s seven wonders at a discount price? Bingo. Travel websites and apps have made it easy to get great deals on transportation, lodging and sight-seeing. But trekker beware: Your vacation planning isn’t finished the instant that last reservation is made.



It’s always a challenge to avoid financial missteps when you travel abroad. But in the digital age, it’s become even more important to create an international travel checklist.After all, nothing will put a damper on that dream trip more quickly than a debit card crisis.

The good news is Credit Union ONE’s travel abroad tips can help you avoid stressful situations. Here are some key items for your financial travel checklist:

Notify Us of Your Travel Plans

Fraud prevention is important to us. So before heading to the airport, give us travel notice by telling us where and when you’re going. This way, we won’t incorrectly flag any debit card activity, like buying mountain climbing gear in St. Moritz or museum tickets in Morocco. Without prior travel notification,your account might be frozen because of what seems like suspicious spending in a foreign country.

Bonus tip: Take the same pre-trip notification steps with your credit card companies. They will also be monitoring your cards for suspicious activity.

Sign Up Online

Make sure you’re active in online and mobile banking before your trip, so you can view account information via mobile device or hotel computer, transfer money as needed, and check to see that all listed withdrawals are legitimate.

Bonus tip: Because you won’t be logging on from your home computer, you’ll probably need to answer online banking security questions in order to access your account. Know those answers before leaving home.

Know Your Limits

Check to ensure your ATM/debit card won’t expire while you are away. Also, ask our representatives about any daily spending limits on your card. If you unexpectedly go over your daily limit, you might miss out on those Mayan blouses in Mexico.

Bonus tip: It’s possible to temporarily raise your daily limits for special purposes, such as vacations. Ask about this possibility before you leave home.

Get Those Numbers

Sure, you know your PIN by heart. But be sure you jot down your bank’s customer service phone number so you can call in an emergency. For Credit Union ONE, it’s 1-800-451-4292. While you’re at it, make note of the equivalent number for your credit card companies.

Bonus tip: Before embarking, check with your cell phone provider about international calling rates. There are countless tales of overseas travelers coming home to find a multi-thousand-dollar bill. Major cell companies offer modestly priced international calling plans. You can also buy contract-free phones that allow for reasonably priced international calling.

Give Yourself Options

You may be planning to lean on that credit card that offers rewards for frequent use. But experts say it’s a good idea to carry a variety of payment methods, including cash, a debit card and two different credit cards. After all, you never know when a magnetic strip will wear out in Warsaw, or when a Mumbai merchant won’t accept a particular card.

Bonus tip: Make sure you pack the credit card you used to book reservations, even if you don’t plan to use it to make payments. Checking the card number is one way businesses verify your identity.

Change Money Wisely

It’s tempting to sprint to the currency exchange booth at the airport to get those euros, pesos or pounds. But that’s a recipe for rip-off. Check with us first for the best exchange rates. If we don’t offer what you need, use overseas ATMs connected to a reputable bank, credit card company or global network such as PLUS, Cirrus, Maestro or the ATM Global Alliance.

Bonus tip: When traveling, use ATMs located inside or just outside of banks. ATMs in cafés and town squares are more likely to be targeted by thieves who use surveillance cameras to capture data that’s later used to empty accounts.

All of us at Credit Union ONE hope your trip goes off without a hitch. But please report any problems promptly. Under the federal Electronic Funds Transfer Act, your liability is limited to $50 if you report any bogus debit card transaction within two business days. Wait longer and you could be on the hook for up to $500. After you worked so hard to get all those great travel deals, that just doesn’t seem fair.
 
Related resources

How do I check my balance? 

You can find this information by logging in to Online Banking, Mobile Banking, or using 24-Hour Telephone Banking. Also, you can call the Member Contact Center at 800-451-4292 or visit a branch.

How do I view transaction information?

You can find this information by logging in to Online Banking, Mobile Banking, or using 24-Hour Telephone Banking.

How do I make a loan payment? 

Make a payment via phone; use the Make a Payment feature; transfer money through Online Banking; or use ACH autopay.

How can I get the lien released on my car?

The release of lien will be mailed to the address on file after 5 business days of the loan payoff. You can also contact Member Contact Center at 800-451-4292 to request a release of lien be mailed, emailed, or faxed.

Do you notarize? 

Credit Union ONE offers Notary services for members and non-members at no charge. Please visit any of our branch locations for this service. A notary public is an officer commissioned by the Michigan Secretary of State to serve as an unbiased and impartial witness. The most common function of the notary is to prevent fraud by attesting to the identity of a person signing a document. Notarization on a document certifies that the person whose signature is entered on the document personally appeared before the notary, established his or her identity, and personally signed the document in the presence of the notary.

Do you offer student loans? 

Credit Union ONE partnered with Student Choice to process student loans and we can help you apply for loans and find additional information online. 

What are your current loan rates? 

Our Rates page provides the most updated rates we're offering. 

What do I owe on my loan?

You can find this information by logging in to Online Banking, Mobile Banking, or using 24-Hour Telephone Banking. Also, you can call the Member Contact Center at 800-451-4292 or visit a branch.

My car is being repossessed what can I do to stop it?

Visit a branch or call the Member Contact Center at 800-451-4292 or If a member's loans are past due, up for repossession or charged off, the loan can be reviewed by the Credit Solutions Department.

How do I get a document notarized?

Credit Union ONE offers Notary services for members and non-members at no charge. Please visit any of our branch locations for this service. A notary public is an officer commissioned by the Michigan Secretary of State to serve as an unbiased and impartial witness. The most common function of the notary is to prevent fraud by attesting to the identity of a person signing a document. Notarization on a document certifies that the person whose signature is entered on the document personally appeared before the notary, established his or her identity, and personally signed the document in the presence of the notary.

What is Student Choice?

Credit Union ONE partnered with Student Choice to process student loans and we can help you apply for loans and find additional information online. 

Auto loan rates?

Our Rates page provides the most updated rates we're offering. 

What is the payoff on my loan?

You can find this information by logging in to Online Banking, Mobile Banking, or using 24-Hour Telephone Banking. Also, you can call the Member Contact Center at 800-451-4292 or visit a branch.

How much do I owe to bring my loan current?

Visit a branch or call the Member Contact Center at 800-451-4292 or If a member's loans are past due, up for repossession or charged off, the loan can be reviewed by the Credit Solutions Department.

How do I apply for a student loan? 

Credit Union ONE partnered with Student Choice to process student loans and we can help you apply for loans and find additional information online. 

Personal loan rates?

Our Rates page provides the most updated rates we're offering. 

How do I check my loan status?

Check your status by logging in to Online Banking; setting up alerts in Online Banking; accessing Telephone Banking or Mobile Banking. Also, you can call the Member Contact Center at 800-451-4292 or visit a branch.

How do I use your Skip-A-Pay feature?
 

Members can skip a payment on qualified loans in good standing twice every 12 months for a $30 fee per occurrence. Payments cannot be skipped in consecutive months.  The loan must be open a minimum of 121 days to be eligible. Read more about Skip-A-Pay.

Can I make a partial payment?

Visit a branch or call the Member Contact Center at 800-451-4292 or If a member's loans are past due, up for repossession or charged off, the loan can be reviewed by the Credit Solutions Department.

What is the difference between a secured loan and an unsecured loan?
 

A car loan and mortgage are the most common types of secured loan. An unsecured loan is not protected by any collateral. If you default on the loan, the lender can't automatically take your property. The most common types of unsecured loan are credit cards, student loans, and personal loans.

RV loan rates?

Our Rates page provides the most updated rates we're offering. 

How do I payoff my loan? 

Loan payoff amounts for same-day payoff can be obtained in Online Banking by clicking on the Loan Payment tab and from that menu selecting Loan Payoff Amount. You also can call the Member Contact Center or visit a branch. Dealers can call the Member Contact Center at 800-451-4292 for payoff amounts. Payoffs can be mailed to Credit Union ONE, 400 E Nine Mile Rd., Ferndale, MI 48220. Loan payoffs can be also be processed at a Credit Union ONE branch.

I am in the market for a new car, what are your current rates?

View our Rates page.

Boat loan rates?

Our Rates page provides the most updated rates we're offering. 

How do I complete the loan payoff process? 

Loan payoff amounts for same-day payoff can be obtained in Online Banking by clicking on the Loan Payment tab and from that menu selecting Loan Payoff Amount. You also can call the Member Contact Center or visit a branch. Dealers can call the Member Contact Center at 800-451-4292 for payoff amounts. Payoffs can be mailed to Credit Union ONE, 400 E Nine Mile Rd., Ferndale, MI 48220. Loan payoffs can be also be processed at a Credit Union ONE branch.

What are your CD rates? 

View our Rates page.

Motorcycle loan rates?

Our Rates page provides the most updated rates we're offering. 

I am not using my camper for the winter and will be putting it in storage? What do I need to do?

Members need to keep full coverage on their vehicles for the term of their loan. If the vehicle will be put in storage for any period of time and the member drops the collision insurance on the vehicle, the member can contact Credit Union ONE and so their loan can be noted. Members should be aware when vehicle is taken out of storage that full coverage needs to be placed back on.

How do I apply for a recreational vehicle loan? 

Get all the details about Vehicle Loans online.

Home equity loan/line of credit rates?

Our Rates page provides the most updated rates we're offering. 

My auto is a VET and I will not be driving it for the winter so I will be putting it in storage. What do I do?

Members need to keep full coverage on their vehicles for the term of their loan. If the vehicle will be put in storage for any period of time and the member drops the collision insurance on the vehicle, the member can contact Credit Union ONE and so their loan can be noted. Members should be aware when vehicle is taken out of storage that full coverage needs to be placed back on.

How do I apply for a boat loan? 

Get all the details about Vehicle Loans online.

How do I apply for a motorcycle loan? 

Get all the details about Vehicle Loans online.

What types of boats will you finance? 
 

We finance pontoon, deck, ski, bow rider and other fishing boats. We do not finance high-performance boats, cruisers or Jet-Skis. Read more on our Boat Loans page.  

How do I apply for a (personal, auto, home equity) loan? 

Apply online, in person at any Credit Union ONE Branch or call 800-451-4292.

What types of RVs will you finance? 
 

We finance Class A and B, Class C, Fifth Wheel, Travel Trailers and Pop-Up Campers. Lean more on our RV & Camper Loans page.

What types of motorcycles will you finance? 
 

We finance street bikes and three-wheeled bikes. We do no finance custom choppers or high-performance street bikes. Learn more on our Motorcycle Loans page.

How does Skip-a-Pay work?
 

Our Skip-a-Pay page provides all the details about this service.

How do I pay off my loan? 

Loan payoff amounts for same day payoff can be obtained in Online Banking by clicking on the Loan Payment tab and from that menu selecting Loan Payoff Amount. Call the Member Contact Center at 800-451-4292 or visit a branch.  Payoffs can be mailed to Credit Union ONE, 400 E. Nine Mile Rd., Ferndale, MI 48220. 

What is Mechanical Repair Coverage? 

Our Mechanical Repair Coverage page explains all the details.

How can I make a payment to a Credit Union ONE loan?
 

You can make payments to your Credit Union ONE loan through the Online Banking, Mobile Banking, and Telephone Banking systems. You may also use the "Make A Payment" service that allows you to make one-time ACH or debit/credit card payment to your Credit Union ONE loan.

How do I complete the loan payoff process? 

Loan payoff amounts for same day payoff can be obtained in Online Banking by clicking on the Loan Payment tab and from that menu selecting Loan Payoff Amount. Call the Member Contact Center at 800-451-4292 or visit a branch.  Payoffs can be mailed to Credit Union ONE, 400 E. Nine Mile Rd., Ferndale, MI 48220. 

How do I purchase Mechanical Repair Coverage? 

Our Mechanical Repair Coverage page explains all the details.

Why is my loan past due?

Visit a branch or call the Member Contact Center at 800-451-4292 to get all the details you need.

How will this affect my credit report? 

Visit a branch or call the Member Contact Center at 800-451-4292 to get all the details you need.

I didn't make my payment because I did not have a coupon?

Call the Member Contact Center at 800-451-4292 or visit a branch. There is a $5.00 fee for a set of 36 coupons.

How can I get more loan coupons?

Call the Member Contact Center at 800-451-4292 or visit a branch. There is a $5.00 fee for a set of 36 coupons.

How do I close a loan with Credit Union ONE?

Loan closing can be done at any Credit Union ONE branch. Some loans can also be closed electronically.

Can I close a loan online? 

Loan closing can be done at any Credit Union ONE branch. Some loans can also be closed electronically.

Where do I find information on my loan title?

Michigan is not a title holding state. Titles that are issued in the state of Michigan will be mailed to you once the Credit Union ONE lien is placed on it. If  a vehicle is titled out of state and that state is a title holding state, then the members title will be held at Credit Union ONE until the loan is paid in full.

Why is my loan past due?

Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch. If many cases, you might have sent in a loan payment but it was short a few cents. Your loan will become past due if the difference is not made up before the next due date and a late fee will be assessed. 

I made my payment and I was charged a late fee. Why?

Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch. If many cases, you might have sent in a loan payment but it was short a few cents. Your loan will become past due if the difference is not made up before the next due date and a late fee will be assessed. 

What is the interest rate on my loan?

Our current interest rates are quoted using the APY. Credit Union ONE does not refinance our own loans for a lower interest rate. Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch for more information.

Can I get a lower interest rate?

Our current interest rates are quoted using the APY. Credit Union ONE does not refinance our own loans for a lower interest rate. Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch for more information.

Where can I find my loan guarantee letter? 

Please visit a branch location of call the Member Contact Center at 800-451-4292 for more information.

How can I obtain a letter of guarantee?

Please visit a branch location of call the Member Contact Center at 800-451-4292 for more information.

Can I change the due date on my loan?

Contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.

How do I change the due date on my loan?

Contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.

I can't make the payment by the due date, what can I do?

Contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.

I am having a problem making my payments?

The Member Contact Center Loan Servicing Agents can assist members with changing the due date on their loan that may better for their budget. Credit Union ONE does not refinance our own loans however we can look into lowering the interest rate on the loan if the member qualifies. If members are facing financial difficulties, we can assist with starting the Loan Modification process.

How can I change the due date of my loan payments?

The Member Contact Center Loan Servicing Agents can assist members with changing the due date on their loan that may better for their budget. Credit Union ONE does not refinance our own loans however we can look into lowering the interest rate on the loan if the member qualifies. If members are facing financial difficulties, we can assist with starting the Loan Modification process.

Can I refinance my loan for a lesser interest rate?

The Member Contact Center Loan Servicing Agents can assist members with changing the due date on their loan that may better for their budget. Credit Union ONE does not refinance our own loans however we can look into lowering the interest rate on the loan if the member qualifies. If members are facing financial difficulties, we can assist with starting the Loan Modification process.

Can I apply for a loan online? 
 

You can apply for a variety of secured and unsecured loans online. You can also apply at any of our branch locations or by calling us at (800) 451-4292.

How can I make a loan payment online?

You can make payments to your Credit Union ONE loans through Online Banking. Just click the Pay Bills link once you have logged in and follow the instructions.

Skip two payments per eligible loan every 12 months.