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CU @ The 2019 Annual Meeting

Calling all members! You're cordially invited to your credit union's 2019 Annual Meeting. At the credit union, you're not a customer: You're a member/owner. The Annual Meeting is your chance to find out what your credit union achieved in 2018 and what's on tap for the future. You can meet your volunteer board of directors and committee members, learn election results, and visit with your fellow members. As a financial cooperative, we exist only to serve members. Attending the Annual Meeting is one of the best ways to learn more about what the credit union has to offer and help us do an even better job to meet your financial needs. So watch for details and mark your 2019 calendar for Sunday, April 14, 2019 at 3PM at the ZPA, 281 Grace St, Perth Amboy, NJ 08861. We look forward to seeing you there.

Here is the list of candidates nominated to this year’s elections.

  • Konrad Kolodziej
    I was born Poland and in 1986 immigrated with family to the United States. I hold a B.S. degree in Electrical Engineering from Lafayette College in Easton, PA. Over the past decade I have actively participated in various Polish organizations (such as the ZPA; lector at the St. Stephen’s Parish in Perth Amboy, NJ). I have served on the Board of United Poles FCU since 2005 in various positions. I have always worked with members of the Board to ensure strong future and growth of our Credit Union, but never forgetting the Polish heritage or the people who created and grew the Credit Union.

    My strong ties with the local community will allow me to promote United Poles FCU as a solid, honest and friendly financial institution. Experience of managing various projects, creating budgets and coordinating with other departments in my professional work will help me contribute to and ensure success of our Credit Union.
    I will continue to represent our members through hard, honest and proud work to guarantee that United Poles FCU is not just financial institution, but also a place we all can be proud of.

  • Teresa Rybinski
    I was born in Poland and at the age of 17 came to United States of America. I graduated from Dickenson High School in Jersey City and Middlesex County College. I am presently retired, but for decades I worked as an accountant.

    I have been volunteering at the United Poles FCU since August 2008 as a member of the Supervisory Committee and was recently appointed its Chairperson as well as a voting member of the Board of Directors.  My 44 years of experience in accounting has helped the Board and the CEO to analyze and make the decisions in governing our Credit Union.

    I would like to bring new ideas and suggestions to help our Credit Union reach its goals. Having been a part of the Polish community in this area for a long time, I understand the concerns and needs of our current and new generation of members.

  • Voytek Wicinski          
    I was born in Poland, where I graduated from Technical High School as Electronic Technician. In 1990 I came to the U.S. Since 1998 I have been involved with IT departments of various companies. I am currently working as a Software Engineer in children’s clothing retail company.

    My association with the Polish organization began in 2001, when my daughter started attending the ZPA Polish Supplementary School. When she was receiving Polish education I was involved in various ZPA activities and I helped in many events organized by the school.

    In 2006 I was appointed to the Supervisory Committee of United Poles Federal Credit Union. In April 2007 I was elected to the Board of Directors. I had different responsibilities during my involvement with UPFCU. I was Supervisory Committee member and then chairman, next I was selected as Treasurer/Secretary.

    I’m running for re-election as the Board of Directors because of my strong believes that it is important to give back to the Polish community. My main responsibility as a board member is safety of financial assets deposited at our Credit Union. I want to ensure that Polish people, as an ethnic group, have strong financial institution that not only meets our banking needs but also provides support to various Polish organizations. I want to ensure continuous growth of our credit union by not only providing service to current members but also by attracting more new members.

Petitions will be made available to all interested at each of United Poles FCU offices on January 2, 2019. To be effective, nominations by petition must be accompanied by a signed certificate from the nominee or nominees stating that they are agreeable to nomination and will serve if elected to office. Petitions must be received by the Secretary at one of the Credit Union offices by the end of business on February 16, 2019. The mailing address is 412 New Brunswick Avenue, Perth Amboy, NJ 08861, ATTN: Petitions.

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Bill Of Rights
What's good for you is good for your credit union. Because credit unions are not-for-profit financial service cooperatives- owned and controlled by the people who use their services- they work for the benefit of members.

Because you're the force behind our credit union's growth and prosperity, and because credit unions work for members, you and fellow members can expect:

  • A financially secure institution complying with the laws and regulations that govern it.
  • A solid financial condition; responsible management of members' financial resources.
  • Highly principled employees demonstrating integrity, professionalism and ethical behavior.
  • Respectful, courteous, timely and unbiased personal service.
  • Confidential records and transactions.
  • The opportunity for your opinions to be heard and valued.
  • An equal vote with other members, regardless of account balance.
  • Volunteer credit union board and committee membership opportunities if you qualify and are elected.
  • Dividend and loan rates that compete with and, whenever possible, offer advantages over other financial institutions' rates.
  • Truthful advertising and disclosure of product and service rates, risks, charges, obligations, terms and conditions.
  • Timely notification and correction of credit union errors and inaccuracies.
  • Timely response to loan requests, account problems and suggestions.
  • Recourse appeal and fair resolution of problems.
  • Consumer information to help you make wise credit, savings and purchasing decisions, and to effectively manage your money.

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Check 21
Starting in October 2004, federal law will recognize a new type of payment document called a "substitute check." The Check Clearing for the 21st Century Act, the law that makes this possible, will permit quicker processing of checks by allowing financial institutions to convert your checks to electronic images for collection purposes. Once the image is transferred, the financial institution may create, from the image of the original check, a "substitute check." The government, media and industry call this new ability Check 21.

While the financial industry is working hard to streamline the process and make use of new electronic technology, members will still be able to use the familiar paper check to make payments because the industry is designing a 21st century system that allows paper to work in the electronic world. Here's what to know about Check 21 and you:

  1. The "float" will disappear... More rapid processing of checks will mean less float (the time between when a check is written and when it clears). Members will have to make sure that adequate funds are in their account when the checks are written to avoid potential problems.
  2. Consumer rights are protected... Protections for consumers have been built into the law and the regulations. Losses in check fraud cases are typically borne by the credit union or the merchant that dealt with a fraudster, not the consumer. If you ever feel that there are problems with your account, contact us immediately.
  3. Check 21 should help combat payments fraud... The faster collection and return of checks facilitated by Check 21 should reduce overall fraud in the check collection system.

What is a substitute check?
To make check processing faster, federal law permits financial institutions to replace original checks with "substitute checks." These checks are similar in size to the original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: " This is a legal copy of your check, You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks.

Sample Substitute Check - - Click Here

What are your rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account. The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal. The amount of the refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

How to make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.

Your claim must include:

  • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect)
  • An estimate of the amount of your loss;
  • An explanation of why the substitute check is insufficient to confirm that you suffered a loss, and
  • A copy of the substitute check and/or the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, the amount of the check.

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