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Waterbury Senior Goes High Tech at VSECU
Who says the world of high technology is just for the young? Francis Vaughn of Waterbury would certainly disagree. At age 92, Francis is a weekly visitor at VSECU’s new Waterbury branch office where he regularly uses the personal teller service, an innovative banking technology VSECU has installed in two of its branch offices.
In January, VSECU opened its new branch at 27 S. Main St., relocating from Waterbury’s state office complex. In the previous location, VSECU members like Francis conducted their business with the credit union at the teller window in the traditional manner.
Staff members are still on hand in the branch to assist members, but the teller window has been replaced with the personal teller service. The personal teller connects credit union members to a live teller who is viewed and heard through a video screen and audio speaker, but the teller is located in VSECU’s main office in Montpelier. The teller is able to serve both the Waterbury branch and the personal teller installed in the new Brattleboro branch.
Francis admits he was baffled when he first approached the personal teller. “I didn’t know what to make of it, those machines and all,” he said, “but I learned how to use them, and now I think it’s great.”
Francis conducts his business with VSECU just as he did at the previous branch but through the personal teller. He is able to make deposits and withdrawals, check account balances, transfer money and ask questions about his accounts. For Francis, one of the advantages is that he does not have to fill out paper deposit and withdrawal slips. He just punches in his account number and other information using the keypad, and he can slide checks into the scanner without using a deposit envelope.
A Vermont native who has lived in Waterbury since the early 1940s, Francis has been a VSECU member since “way, way back, almost as long as there has been a credit union.” Still very active at 92, Francis can be seen walking his black Labrador Buster around town, although friends say Buster appears to be walking Francis at times.
Francis says that when he enters the branch, he goes directly to the personal teller. He enjoys chatting via the video screen with the tellers, Debra and Sally, who greet him by name as soon as they see his face. “The staff in the office has had to help me a couple of times, but now it’s really easy to use,” he said.
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Benefits for VSECU Members
As a member of VSECU you have access to many benefits beyond our stable financial products and services. We invite you to take advantage of these free, discounted or low cost programs offered exclusively to our members. Browse the list of benefits below and contact a Member Service Consultant if you have any questions about participating in these programs.
- We have partnered with Liberty Mutual Insurance to offer discounted auto, home, condo and renter’s insurance to members living in Vermont and New Hampshire. Learn more about receiving these discounted rates.
- Both Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP) are offered to VSECU members for their vehicles. These protection programs are comparable to what a dealership may offer, however in many cases, at a more affordable cost. Learn more about GAP and MBP.
- Our VERMONT Platinum credit card holders also benefit from things like cell phone replacement protection, an auto rental collision damage waiver, personal identify theft reimbursement and travel accident insurance. Learn more about our VERMONT Platinum card benefits on our microsite: WelcomeVermonters.com
- Members benefit from the VHeat fuel buyers co-op to reduce their home heating costs. Learn more about VHeat.
- Members receive discounted loan rates for alternative solar energy home solutions. Learn more about Solar Loans.
- We offer convenient auto financing right at many dealerships across the state. Learn more about CUDL.
The VSECU Member Rewards Program
In addition to the programs listed above, your membership automatically comes with many free or discounted services for your everyday banking needs. The more you rely on us for your financial needs, the more you’ll receive in benefits and savings with the Member Rewards Program.
Add the combined total deposit, loan and credit card balances you have at VSECU to determine your membership and reward level.
- Standard Membership
(up to $5,000) - Advantage Members
($5,000 – $25,000) - Advantage Plus Members
(over $25,000)
All members receive the following services free as a part of their membership:
- FREE Debit card
- FREE Checking account
- FREE e-Statements
- FREE Automated telephone access
- FREE Unlimited transactions at VSECU ATMs
- FREE Online banking
- FREE Online check copies
- FREE Notary and signature guarantee services
- FREE Consultation with a Member Service Consultant
- FREE Consultation with MEMBERS Financial Services
- FREE $5,000 worth of AD&D insurance
If you step up to an E2 member you will also benefit from:
- 4 FREE Non-VSECU ATM Transactions Per Month
- FREE Bill Pay
E2 MEMBER – an eco-friendly member that uses the following electronic services: Online banking, e-Statements, and conducting at least two (2) Visa debit transactions by PIN or signature-based per month.
Advantage Membership Rewards – $5,000 – $25,000 Balance
- FREE Debit card
- FREE Checking account
- FREE e-Statements
- FREE Automated telephone access
- FREE Unlimited transactions at VSECU ATMs
- FREE Online banking
- FREE Online check copies
- FREE Notary and signature guarantee services
- FREE Consultation with a Member Service Consultant
- FREE Consultation with MEMBERS Financial Services
- FREE $5,000 worth of AD&D insurance
- 8 FREE Non-VSECU ATM Transactions Per Month
- FREE Bill Pay
- 66% Discount on Cashier’s Checks
- Up to $4 in ATM Surcharge Rebates Per Month
- 66% Discount on Money Orders
- 33% Discount on Overdraft Protection Transfer
- 50% Discount on Traveler’s Checks
- FREE Standard Card Replacement
Advantage Plus Membership Rewards – Over $25,000 Balance
- FREE Debit card
- FREE Checking account
- FREE e-Statements
- FREE Automated telephone access
- FREE Unlimited transactions at VSECU ATMs
- FREE Online banking
- FREE Online check copies
- FREE Notary and signature guarantee services
- FREE Consultation with a Member Service Consultant
- FREE Consultation with MEMBERS Financial Services
- FREE $5,000 worth of AD&D insurance
- 10 FREE Non-VSECU ATM Transactions Per Month
- FREE Bill Pay
- FREE Cashier’s Checks
- Up to $8 in ATM Surcharge Rebates Per Month
- FREE Money Orders
- FREE Overdraft Protection Transfer
- FREE Traveler’s Checks
- FREE Standard Card Replacement
- FREE Coin Machine Usage





