SIU Credit Union Blog

Tag: network

When You Need an ATM, a Bigger Network is Better


When you need convenient ATM access without paying a surcharge, a bigger network is better.  SIU Credit Union is pleased to belong to the CO-OP ATM network, the largest credit union-owned ATM network in the United States. The CO-OP ATM network operates nearly 30,000 surcharge-free ATMs across the country for the benefit of credit union members.  How convenient is that?

Anyone who’s had to wander from place to place searching for an in-network ATM knows the value of more locations. CO-OP ATM network locations are found in credit union branches, supermarkets and 7-Eleven® stores, as well as a multitude of freestanding locations.  Simply put, they’re everywhere. And they are always surcharge-free for SIU Credit Union members.


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SIU Credit Union is closed! What do I do?

As a person that is on the go a lot, I find myself having to use alternate ATMs or services that SIU Credit Union offers quite often. Here are a few things that I like to use when I’m out of the office that may be helpful to you, you wonderful person you!

Away from home, but near a fee-free ATM!

Away from home, but near a fee-free ATM!

Shared ATM Networks & Shared Branching

I didn’t really utilize the convenience of a surcharge-free ATM until I was traveling to Orange Beach, AL, last May.

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Traveling this holiday season? Avoid the hassle with SIU CU!

Hitting the road for some turkey-centered meals? Here are a few ways to make your voyage easier.

Contact Card Services

If you are leaving the area, contact Card Services to let you know you will be. Due to lots of fraud, your card may be flagged as “at risk” if used outside of your usual location. You may do this by either sending a secure message through online banking or by calling 618-549-8633. Be sure to have your over the phone password ready! (This is so we can verify your identity.)

Don’t pay the fee

Need some cash while on your journey? We are members of the Co-op and Allpoint networks as a benefit to you! Co-Op and AllPoint have apps and websites that can locate the nearest fee-less ATM.  If you need to go into a branch and do a face-to-face transaction, you can use a Co-Op Shared Branch ATM, too! Just be sure to know your SIU CU member number and have a state ID for identification.

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Going on Your Next Employment Interview

Job interviews can be challenging and stressful.  Planning ahead and being prepared for hard questions will give you an edge. Here are some tips to ensure a smooth interview.


  1. Practice interviewing ahead of time so you are comfortable with the process.
  2. Make sure your qualifications are appropriate for the position at hand.  Be ready to demonstrate your proficiency in the tasks associated with the job.
  3. Be prepared. Learn all you can about the company ahead of time.  Have an understanding of the business and the services provided.
  4. Dress appropriately. Project an image of workplace professionalism.  Understanding the environment of the business is critical.
  5. Speak slowly and with confidence.  Be prepared to sell yourself without being overbearing.   If you don’t know the answer, be honest.  Eye contact is essential and body language should convey a positive attitude.
  6. Don’t lie!  Exaggerations about previous jobs or experiences can, and will, come back to haunt you.  Employers do background checks, including previous positions and duties.   Be honest about what skills you have.
  7. Don’t interrupt the interviewer to interject your opinions or responses.
  8. Don’t bad mouth your old company or supervisors during the interview.
  9. Ask questions when given the opportunity.  For example, show interest in the position by asking specific questions about the tasks or ask questions about where the company sees itself in 5 years.

Send a follow up “thank you” letter to the interviewer showing your appreciation while conveying your continued interest in the position.

-Tracy Frischkorn, HR Director

Get Back in the Game After a Job Loss

A major challenge when losing a job is to move ahead and find new work, while trying to process what happened.

These steps can help jumpstart your job search:

* Get the word out. In addition to getting moving as soon as possible, the most important thing to do is communicate. Let everyone know you’re looking for a job.
* Network. The more people who know you’re looking for work, the better, and don’t forget former co-workers. Experts agree that the best way to find a new job is through personal and professional contacts. Job seekers have a much easier time job hunting if they keep current a copy of their contact database and personal files.
* Establish a daily routine. The job hunt is your new job.
* Be flexible. Finding new work will be easier if you are. For example, consider alternatives to one traditional job, such as a couple of part-time jobs.
* Consider temp work, especially if you need work now. Some income is better than none at all, especially if you need it to keep you or your family financially stable. Don’t make the mistake of holding out for your dream job or for a job with a salary that’s unrealistic in the current economic environment. Besides bringing in some much-needed money, you can try to work on weeknights and weekends, leaving time for job hunting during the day. It also can be a good way to position yourself for a full-time job.
* Consider retraining or going back to school, especially if the hiring outlook in the field you came from is bleak. If you’re deficient in a basic skill, many state employment services offer computer classes, for example.

Remember that perseverance and fortitude may be tough to measure, but they’re indispensable if you’re going to be successful in finding new work, especially if nothing breaks right away. Don’t forget to take some time for yourself too. Find some balance, and keep your mind engaged by continuing to read publications related to your field of expertise as well as recreational sources.

Contact SIU Credit Union. Our professionals are here to help. Don’t wait until you’re in even deeper trouble financially. We can help you through this difficult time.

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