Windshield Repair Services – Why is it Good to Repair Windshield Glass?

More often than not most drivers don’t give much importance in changing or repairing the windshield of their cars. If the problem appears in the engine or in the body then it can caught the driver’s attention. If the situation calls for repairing the windshield it can wait. Ignoring damaged windshield means getting you in danger and in the end it may cost a lot of money.

Let me discuss the importance of windshield repair in our cars. Windshield reduces the damage in case there is an accident. You may think that a small crack in your windshield is not important well you thought wrong. Tiny crack in your windshield can be the start of a bigger problem. Repairing windshield glass is very important especially if we think about vehicle and our safety. The tiny problem can spread into a much bigger problem. That small damage or chip in the windshield can actually spread into extreme condition when temperature or humidity changes. The truth is even a bump on the road can cause the change of a small chip to a bigger one and soon it will become irreplaceable and cannot be repaired anymore.

One more thing to consider is the amount of things we can see through the windshield. If there is a difficulty in the driver’s vision then it is common sense that there will be a higher risk of accident. Windshield plays a vital role in ensuring the driver’s clear vision of the road. With that being said it answered the question why is it important to repair the windshield. It is very easy to find someone who can repair the windshield. All of whom are very competitive and knowledgeable so you don’t have to worry.

There are no excuses for this kind of issue, because it is very easy to look for a specialist who can do the work. There are many options in finding a good specialist. You can use classified ads in the newspaper and in modern times you can always use the internet to find a company that can do the work for you. The price for this kind of job is very affordable. You have a wide array of choices. You must always remember that the auto glass is as important as the engine or body of a vehicle because it will also give you safety when driving.

Wind shield repair is not that difficult as you may think. And when done by a professional you will learn that it not only saves you money but it also saves you from a bad accident. When done correctly windshield can last a long time. There are many options in the internet that we can find so be very patient in finding the right person to do it.

BidMyServices is an innovative marketplace where individuals and businesses can buy and sell services. Learn how we connect residents with the best service professionals based on customer feedback, qualifications and more. Visit us at
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Unsecured Bad Credit Debts – Honest Services for you personally

Will you be suffering with a poor economic status? Do you want to restore you condition and get respect inside conventional market? Do you want financial assistance without placing any safety? Unsecured bad credit financial loans would be the responses into borrowers queries. They are honest solutions that exist to the borrowers to assist them to meet their individual needs.

The lenders are prepared to provide in addition to consumers are able to borrow amounts ranging from £1,000 to £25,000 through these types of fiscal assistances. They can be used by the consumers for some time period which range from 1 to a decade. Hence, they get the time to reimburse the bucks towards the loan providers.

They’ve many enticing features among which the essential you’re that they sanction resources to your borrowers while they’ve an unhealthy fiscal standing without using any safety. Therefore, the consumers needn’t proceed through any long and complicated treatments being avail the money. These are generally allowed to make the payment through regular monthly payments. These finances assist the borrowers in fighting their poor rating and making it good one.

The borrowers but have to pay large interest rates inside them since they are very high-risk situations on lenders. They should remember to repay the funds in the given payment term.

Any British resident having completed 18 years old is entitled to get these facilities. He could be additionally would have to be utilized with a hard and fast income and a checking bank-account. The candidate also needs to are able to repay the quantities.

Many lenders are able to sanction these types of services towards candidates on the web. All they need to do is fill in the web form with their true details. They are able to have the amounts they require at less expensive interest rates. The amounts tend to be directly transferred to their particular banking account.

Peter Swindley the writer of this article works as a monetary adviser with Unsecured Bad Credit financing. Peter publishes informative articles on unsecured bad credit financial loans, long term bad credit short term loans as well as other financial subjects. To know more check out at – http://www.unsecuredbadcreditloans.net/

Learn how to leverage your legal rights to dispute, challenge, and possibly remove dings from your credit history. This is a proven effective approach to enhance bad credit. The full story also to grab your free report have a look at: http://www.yourbadcreditcard.net/poor-credit-score/

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Increasing Demand of Reverse Logistics or Returns Processing Services

These days, returns have surfaced as continuous unfortunate reality for the customers. Nonetheless, reverse logistics has totally transformed the face of corporate world these days. This term refers to the invert circulation of finished items in the supply chain management. A critical component of this returns processing service is the movement of information. This data comprises of all the essential details like original source, reason for returns, delivery data, refunded credits as well as value of returns, linked with any business deal.

There are numerous reasons for the growing popularity of reverse logistics in the areas of supply chain administration, over the years. The most important cause is quick recycling of products. For getting eco-friendly merchandise, manufacturers have begun utilizing reusable packaging alternatives too. This will provide economical as well as ecological benefits in future. Thus, this approach has developed into a prime requirement for the organizations dealing in hazardous products, harmful toxins and electric gadgets. This is because these items must be eliminated before their usage period expires.

Since the procedure of returns processing consists of thorough investigation and audit of inbound products, it becomes a tedious process for the implementers. As a result you need to employ the expert services of an effective company that deals in this field. Such skilled firms also abide by specific regulations (like “secure waste disposal”, “management of special radioactive material” etc.) that are set by the government bodies.

The process of reverse logistics has become very laborious because of extensive investigation techniques included in it. In auditing, only those goods that are outbound are tracked in your supply chain management process. Besides, the transportation of goods also includes detailed paperwork. Consequently, it becomes difficult for the non-users to execute all of the jobs involved here. Additionally, accessibility of fast automobiles is another necessity. This is mainly because it’s very essential for the vehicles to be delivered from one port to another and back to the original location. So, you need to hire a third party to complete all these tasks fruitfully. Considering the fact that each and every client has a different requirement thus you should appoint the expert services of a skilled organization that deals in reverse logistics.

Tagg Logistics is an efficient firm that deals in customized returns processing services. Whether you need to implement usual supply or you’ve to achieve fulfillment process, Tagg Logistics can successfully deal with all of the reverse logistics needs.

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HECM stands for Home Equity Conversion Mortgage, popularly known as a Reverse Mortgage. Significant changes occurred on October 1 of this year and Rob Brinkman walks through not only the changes, but the basics of understanding how these mortgages work.

This video will explain many of the rules in order for you to do a reverse mortgage correctly, including what to watch out for and what loopholes can cost you money if not done correctly.

Find out why the maximum mortgage withdrawal went from 70% to 40% along with some other big changes that occurred after October 1st, 2013.

You will also learn about the adjustable rates on the new reverse mortgages and why the fixed rates are a thing of the past.

Popular among seniors, a Reverse Mortgage is a legitimate tool for income planning. As an Income Expert, Rob uses a case study of a typical retired couple living on Social Security, Pension and some Investment Income, to show a scenario that may typically apply.

To find out more about Rob and to download all of his free reports, check out http://www.retirementharvest.com

Nothing in this video can be construed as investment advice or can be used to fully make a decision on a reverse mortgage. This is simply the basic education on HECM’s and you should always consult a reverse mortgage expert before ever making any moves

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How Do Identity Protection Services Help Victims of Identity Theft?

Unfortunately it is impossible to provide a 100% protection from identity theft, as this type of crime involves too many different variables, and your personal information can be stored in a number of databases and resources that are either in the public domain or outside of your control (such as government, employer and financial institution records). Therefore it is very important that as well as choosing identity theft protection services that can help protect your personal information from thieves, you also choose a service that provides adequate cover and support just in case your identity is stolen.

$ 1 Million Service Guarantees
Most of the leading identity protection services such as LifeLock, Identity Guard and ID Patrol offer service guarantees, which will protect members in the event their identity is compromised, and will provide up to $ 1 million towards resolving your case. This can help you to pay for any debts, charges and legal fees that you may have to pay to restore your good credit name, but you will need to check each individual policy carefully for any limitations or exclusions.

Specialist Support
An essential aspect of the identity protection recovery services is the support provided by dedicated identity theft specialist teams, who can help victims through the difficult and often time consuming process or sorting out any fraudulent activity on their credit reports and existing accounts, and regaining control of their identity. Look for identity protection services that provide a good range of contact options (phone, fax, email and mail) and also a 24/7 customer services desk so that you can start sorting out any problems as soon as you discover them. Services that provide good websites are also very useful, as they will have member’s centers and FAQ pages that provide answer to common questions and problems, which can save you having to contact the help desk for simple, routine queries.

Identity theft is on the rise, and each year you have roughly a 1% chance of having your identity stolen. Learn more about ID protection and also about identity theft protection and prevention services.

7 Identity Theft Protection and Prevention Tips

With over 12 million cyber-fraud cases reported last year, avoiding identity theft online is more important than ever. Free computer health check from US–Based customer support with purchase of Multi-Device Security from ESET http://bit.ly/CyberProtection

“The Safety Mom” Alison Rhodes has some easy ways to protect your family online. Keys for password protection and safety software with personal firewall and anti-phishing features can help prevent identity theft and other cyber threats.

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Business Services – Understanding the prices and charges related to charge card Processing

The rates that merchants have charged to process bankcards are known as savings, Item charges, and month-to-month declaration costs.

Discount rates are generally divided in a number of categories called Interchange. Although interchange can include 100%2B various prices that change annually, often a growth offered by Visa, MasterCard, and see. However, most cases ISO’s (Independent product sales companies) charge these savings into understanding called container rates to the business. These bucket prices feature: certified, Mid- skilled, and Non-Qualified prices.

Competent rates are bankcards which are swiped with customer card present, nor reflect any incentive bank cards including: Flyer kilometers, Bonus cash, or any rewards for cardholder. Certified has got the most affordable discount price that gets recharged on business. The cause of it is because there’s a lower life expectancy window of opportunity for the merchant to obtain a chargeback much less risk for both the vendor and Visa/MasterCard to absorb the price of accepting a fraudulent bankcard. Skilled prices ranges from 1.65%-1.95% (based on types of company).
Mid-Qualified rates are bankcards which are not current or called keyed-in deals. For example: Phone requests or Cards that’ll not swipe. Also, Reward cards additionally get into the mid-qualified group too. In essence, Mid-Qualified has an increased rebate price this is certainly charged towards the merchant because of the keyed-in and incentive bankcards. If a bankcard isn’t current this has a higher danger of being a fraudulent card while there is absolutely no way to validate card owner identification. Reward cards conversely, get into the mid-qualified group since it is in fact the vendor that absorbs the expense of Visa/MasterCard’s power to provide bonuses being involved with an incentive card. Mid-Qualified rates include .85%-1.29percent (based on particular company) as well as the Qualified price.
Non-Qualified prices tend to be Business, Corporate, and Global bankcards. Non-Qualified has got the highest rebate price which previously recharged into the merchant. There are several reasoned explanations why this is basically the instance. The bankcards that fall in this category either have the highest restrictions or greatest risks feasible. Company and business often have the highest card limits plus the handling company, upon approval, deposit the resources in to the merchants account ahead of the handling business itself has gotten the resources. International cards are the highest risk and require more confirmation of all bankcards. Moreover, more instances than perhaps not, the processing business has to calculate and withdraw the price of change of no matter what nations’ money to your U.S. dollar. The rebate rate in the Non-qualified group is the identical perhaps the bankcard is present (swiped) or not (keyed). Non-Qualified prices range from 1.12%-1.63percent (dependent on kind of company) as well as the skilled rate.

Item charges are recharged as well as the discount rate. These costs are shown everytime a business receives a bankcard by which an endorsement is acquired or the merchant needs to Settle (group out) all of the transactions of this day. To enable an approval is gotten or batch aside during the day, the terminal has to dial away. A single thing per exchange is recharged on vendor everytime the terminal has to dial out. Typically, 18-20 dollars (depending on style of business) is charged per dial away.

Month-to-month Statement costs tend to be just what merchants have recharged for a monthly report of transactions and rebate fees. They receive this statement after monthly in order to tally in their bookkeeping just what revenue they have gotten from bankcards. This is actually the same statement that ISA’s (Independent telemarketers) review and analyze whenever seeing a merchant to convert from the merchant’s present ISO. Statement costs are between $ 7.50-$ 10 four weeks (based on type of company).

Note: you’ll find these Fees on your Merchant Processing Statement.

Derrick Tulali- Independent Merchant Account Professional and Owner of Innovative Business Solutions

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Safeguard Your Self With Id theft security Services

Have you ever heard of identification theft and been therefore paranoid regarding it? In that case, kindly confabulate utilizing the professionals which have superior quality id theft security services. Should you feel you’re followed or there are numerous dubious individuals on the net whom continue asking with reference to your own personal information, primarily your records and passwords, then you can be a subject or prey of id theft. Identification is really a type of fraud that impersonates or steals information using their business people to access their private data is just like credit cards and accounts. This misdeed is occurring in a lot of areas of our planet. Through id theft, the prey can endure great effects, specifically economic losings. To stop these types of awful things from developing, secure your self utilising the good protection service.

In choosing a great solution, you need to think about its actions which may undoubtedly protect both you and also offer you assistance with rebuilding your identity that have been robbed. These types of services are carried out to shield and offer a lot more people who’ve be a casualty as well as those who is a victim. Lessening and stopping id theft from developing is strictly exactly what these kinds of services do. If you are a person who make large income, you will end up most likely victimized by identification thieves. That you should be guaranteed and start to become less focused on people taking your identity, you ought to determine a name security organization that screens your identification and hinders id theft from occurring. In so doing, now you can be much more assured your identity is shielded and from identification thieves. But try not to be also positive about wherein you get reduce papers which contain tidbits with regards to you or the people that hand out personal data. Identity thieves are already recorded to endure papers that lend the information necessary for these to appreciate their particular illegal functions.

To become much easier when selecting which id theft security services you ought to take, bring extra thoughts to comparing various companies and solutions that have the greatest goals concerning id theft. Such service need to have trickery detection, database monitoring, credit monitoring (the credits), economic loss restored, credit card tracking, target affirmation, kid’s services (for children identity safety), and including wallet security. These kind of services should really be proven and tested. In that way, your belief could possibly be together. Also it lets you let them deal with exactly what is important to complete to keep your identification safe all the time. Be sure to get id theft defense services reviews to find out so much more towards companies that supply all of them.

Your Identity Is shielded constantly With Id theft protection services

With your services, both you and your identification will likely be reserved protected from different ways that identity thieves check out to help you to dedicate their particular criminal activity. But even though you’re often administered by these services, you need to remember that you ought to not offer your own information of login credentials to individuals you do not know that seems suspicious. Several methods of taking your identity may include taking things as part of your automobile, homes, by choose pocketing, snatching bags or just online. Avoid being misled by Internet unknown and never be thoughtless in supplying your data stupidly. Using this method, you are able to assist in avoiding yourself from as being a victim.

Your anxiety amounts would reduce with id theft security solutions. That is clearly as a result of simple proven fact that these kind of solutions can do all of that is needed to complete to make sure you the identity is protected and it is afar become corrupted by identification hackers. To avoid id theft from happening, be stricter in relation to revealing your personal data. Only give important computer data when that it is extremely needed. Be secure with the services which are sure to offer you security.

If you prefer this article and want to find out more about safe identity security Then please check out our web site here: ID protection.

medications, cash seized in ID theft investigation

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Colorado Cannabis CEO Welcomes New Senate Measure, Allowing Legal Marijuana Industry Access to Banking Services



Kindman


The founder and owner of one of Colorado’s oldest and largest recreational cannabis producers welcomes the bipartisan legislation introduced into the U.S. Senate on Thursday: a measure that if passed would ensure legal marijuana businesses can access badly-needed banking services.

Ryan Fox, CEO of Denver-based Kindman cannabis, says the so-called Marijuana Businesses Access to Banking Act of 2015 would not only eliminate the cash-only transactions that legal marijuana companies have been forced to endure, but it would also help the industry reach its full potential much faster than previously anticipated by industry observers.

One of the most obvious benefits, he says, would be the increase in efficiency the legal cannabis industry would experience almost immediately when it is freed from cash, as well as an increase in state tax revenue.

Anecdotal reports from legal cannabis companies in Colorado say those businesses usually have to devote at least five days of each month to processing cash-only transactions with their customers and with state regulators. And some legitimate marijuana companies have calculated sales revenues could increase by as much as 35 percent each month once banking becomes available to the legal cannabis industry.

The bill, according to one of its co-sponsors, also protects banks and other financial institutions from criminal prosecution, liability and forfeiture penalties for dealing with state-sanctioned, legitimate marijuana businesses.

Fox points out that, without access to banks and other federally-approved financial services, managing cash-only transactions is not only financially burdensome but also presents a wide variety of obstacles; thus cost more time and money to run a business.

“There is certainly a security risk and safety issues for my employees, as noted in the press release from (bill co-sponsor) Senator Jeff Merckley’s office,” he says.

“There are also things a normal business can do every day that we cannot,” Fox adds. “For example, setting up our account payables for monthly auto draft from a business checking account. Without the freedom to walk in to a local bank and open a business checking account, cannabis businesses are, in many regards, forced to run as inefficiently as businesses did 100 years ago.”

Banks, meanwhile, while eager to start receiving deposits from local cannabis businesses, are fearful of federal prosecution if they work with legal cannabis companies; a factor that Fox says hamstrings a company’s need to operate normally, grow and create jobs.

“A non-cannabis business can walk into their local bank, sit down with their personal banker who knows them by name and have a discussion about the best business loans and rates that will help them expand their business, create more jobs and generate more taxable revenue”, says Fox.

“But in the legal cannabis industry, which is now a multi-billion-dollar industry, the phrase ‘the buck stops here’ couldn’t be more accurate,” he says, “given that much of the cash that enters this industry ends up in personal safes, rather than immediately deposited back in to the central banking system.”

Fox adds that, in the 19 months since Colorado and Washington State legalized recreational marijuana for adults, the legitimate cannabis industry has been experiencing great growth, “even beyond what is normal for an emerging industry,” he says. “Try to imagine what our economic growth will really look like when we’re no longer hamstrung by the existing banking regulations.”

ABOUT KINDMAN

Established in 2009, Kindman provides customers with an unmatched cannabis product – grown in Colorado state-regulated facilities at indoor locations, using a customized process that combines food-grade nutrients and a unique soil mix that brings out the plant’s best features. Close attention is paid to product cleanliness, quality, curing and processing.

Since the January 1, 2014 start of legalized sales of recreational cannabis to adults in Colorado, Kindman has provided high-quality marijuana flowers to tens of thousands of customers from over 100 countries.

For more information, visit: http://www.mykindman.com/

Tags: Marijuana, cannabis, dispensary, cannabis business, Colorado, Marijuana Businesses Access to Banking Act, banking, finances, marijuana and banking industry, tax revenue, Ryan Fox, Kindman







Banks Expanding Services to Small and Midsized Enterprises


Boston, MA (PRWEB) May 22, 2015

Financial institutions have long known that small and medium-sized enterprises (SMEs) are important contributors to their revenues and profitability. Now many are redoubling efforts to understand the needs of businesses of this size and offer products and services tailored to their needs.

In new research, Tapping a Banking Market Segment with High Potential: Small and Midsized Enterprises, Mercator Advisory Group discusses ways to reach out to this market segment and increase business with SME customers.        

“Dedicating resources to serving small and midsized enterprises can deepen engagement and expand relationships with a bank or credit union’s customers in this segment and attract new SME customers, leading to benefits for both the customers and the FI,” comments Ed O’Brien, director of Mercator Advisory Group’s Banking Channels Advisory Service and author of the report.

Highlights of this research note include:


Market size and composition
Profitability of this segment of the FI’s customer base compared to consumer segment in the retail banking line of business
Strategies such as dedicating resources for deepening customer relationships with business owners and courting SME prospects
Products and services tailored to SMEs being offered by a wide variety of financial institutions and others
Use of analytics to uncover prospects

This research note is 9 pages long and has 3 exhibits.

Companies mentioned in this research note are: American Express, Bank of America, Chase, Citibank, Citizens Eastern Bank, Equifax, Mint.com, NerdWallet, PNC Bank, SunTrust, U.S. Bank, and Wells Fargo.

Members of Mercator Advisory Group Banking Channels Advisory Service have access to this report as well as the upcoming research for the year ahead, presentations, analyst access and other membership benefits.

Please visit us online at http://www.mercatoradvisorygroup.com.

For more information and media inquiries, please call Mercator Advisory Group’s main line: (781) 419-1700, send email to media(at)mercatoradvisorygroup(dot)com.

For free industry news, opinions, research, company information and more visit us at http://www.PaymentsJournal.com.

Follow us on Twitter @ http://twitter.com/MercatorAdvisor.

About Mercator Advisory Group

Mercator Advisory Group is the leading, independent research and advisory services firm exclusively focused on the payments and banking industries. We deliver pragmatic and timely research and advice designed to help our clients uncover the most lucrative opportunities to maximize revenue growth and contain costs. Our clients range from the world’s largest payment issuers, acquirers, processors, merchants and associations to leading technology providers and investors. Mercator Advisory Group is also the publisher of the online payments and banking news and information portal PaymentsJournal.com.







eMazzanti Offers EMV Credit Card Technology Upgrade Services in Advance of Fraud Liability Deadline


Hoboken, NJ (PRWEB) March 25, 2015

eMazzanti Technologies, a NYC area IT consultant and MSP, announced today that it is now offering EMV credit card technology upgrade services to retail merchants, doctors, attorneys, contractors and other businesses that accept credit cards. Retailers and others are looking to upgrade their point of sale (POS) systems to prepare for the October 15, 2015 deadline when the liability for credit card fraud shifts to the merchant if they do not have an EMV payment system in place.

EMV or chip-and-PIN technology is now the credit card security standard in the United States, stated Jennifer Mazzanti, President, eMazzanti Technologies. With more than a decade of experience providing retail POS implementations and PCI compliance technology services, eMazzanti is well qualified to assist businesses with EMV card POS solutions.

EMV stands for Europay, MasterCard and Visa, a global standard for the compatibility of chip cards and POS terminals designed to accept the cards and authenticate credit and debit card transactions. In the midst of frequent large-scale data breaches and the resulting increase of counterfeit card fraud, U.S. card issuers are implementing the EMV technology to protect their customers and to minimize their losses from fraud.

A chip card is a credit card with embedded microelectronics designed to reduce the risk of loss to cardholders and merchants from fraud. During the coming months, banks will be replacing credit and debit cards with chip cards to help increase security for customers accounts. Some card issuers have announced that personalized PINs will remain the same, easing the transition for their cardholders.

For merchants and professionals who accept credit cards, the switch to EMV means adding new in-store POS and office technology to accept the cards and adjusting to the new liability rules. For consumers, it means activating the new chip cards when they arrive and learning how to complete purchases using the new technology.

eMazzanti Can Help

eMazzanti Technologies is well-prepared to upgrade retailers to the latest POS solutions to help them protect their customers personal and financial information. Businesses can be confident in migrating to the new EMV card security technology by taking advantage of eMazzantis trained and certified retail POS and PCI compliance experts. To explore the options, please contact eMazzanti Technologies at info(at)emazzanti(dot)net or call 1-866-EMAZZANTI.

Other related resource information:

Why Retailers and SMBs Should Use a Managed Firewall Service

eMazzanti Announces 200% Growth in Retail IT Revenue

About eMazzanti Technologies

eMazzantis team of trained, certified IT experts rapidly deliver cloud and mobile solutions, multi-site implementations, 24

PenFed Branch Services Return to San Antonio, Texas

Alexandria, Va. (PRWEB) March 12, 2015

Pentagon Federal Credit Union (PenFed) today announced that it is bringing back branch operations to the San Antonio community. The branch will officially open its doors for service on Monday, March 16 at 9 a.m. A full weeks worth of grand opening activities will continue through March 20.

This is a great day for the community of San Antonio, said Kevyn Myers, executive vice president and chief operating officer with PenFed. We are very excited about bringing engaged, personalized member service back to this city. We want our members to experience the best in financial products and services and a branch presence allows us to make that experience even better. Now its time to honor this moment with a celebration.

To make the announcement official, the San Antonio branch team invites both the public and military communities to come and attend a full week of grand opening celebration activities. Daily themed events will be held March 16 – 20, from 9 a.m. until 4 p.m.

An official ribbon-cutting ceremony and open house celebration will mark the grand opening finale on Friday, March 20. The ribbon-cutting ceremony begins at 10:00 a.m., with an open house celebration to immediately follow and continue until 4 p.m.

Grand Opening Event Schedule:

The daily grand opening events will run from 9 a.m. until 4 p.m. Each day will feature food, light refreshments, and giveaways:

Monday, March 16 – Opening Day: Meet and Greet.
Tuesday, March 17 – Classic and Vintage Car Day
Wednesday, March 18 – Truck Day: Come check out the latest demo trucks on display from participating local dealerships.
Thursday, March 19 – Military and Service Organizations Day: Meet with local community military and service organizations throughout the day.
Friday, March 20 – Ribbon Cutting and Open House Celebration: Join the PenFed branch team for an official ribbon-cutting event and open house. The ribbon-cutting ceremony begins at 10:00 a.m. Guests will include: visiting executive officials from PenFeds main office, local military command and civilian leadership groups.
Manuel Serna will manage branch operations. Serna is a San Antonio native who earned his bachelors degree from the University of Texas at Austin in 2005. Hes currently pursuing his MBA at Texas A&M University with focused studies in Project Management. Although new to the PenFed team, Serna brings more than ten years of experience in the credit union industry.

I am excited about PenFeds return to my home town, said Manuel Serna, San Antonio branch manager for PenFed. PenFeds financial products are competitive, innovative, and richly diverse; therefore I am looking forward to helping new and existing members benefit from these services so that they can feel confident about their financial choices and goals.

The San Antonio branch will provide full service operations; to include PenFeds full-suite of financial products such as ATM, cash and deposit services, and auto, boat, motorcycle, mortgage financing, and more.

We really want to encourage everyone to join us for the celebration. This is an opportunity for the public to come tour the branch, enjoy daily giveaways, visit with the branch team, and meet local military and community leaders, said Serna.

The branch hours of operation are Monday through Friday from 9 a.m. until 4 p.m. The branch is located at 14603 Huebner Rd., Building 38; Suite 1 in San Antonio.

To learn more about PenFed or membership eligibility, call 800-247-5626 or visit PenFed.org.

About PenFed

Established in 1935 as the War Department Credit Union, PenFed is one of the largest credit unions in the country, serving 1.3 million members worldwide; with nearly $ 18 billion in assets. Its long-standing mission has been to provide superior financial services in a cost effective manner, while being responsive to members needs. PenFed offers market-leading mortgages, automobile loans, credit cards, checking, and a wide range of other financial services with its members interests always in mind. Serving a diverse population, PenFed offers many ways to become a member; including numerous employee groups and association affiliations. PenFed is federally insured by the NCUA and is an equal housing lender. PenFed does business in accordance with the Federal Fair Housing Law, the Equal Credit Opportunity Act, and is a member of NAFCU. To learn more about PenFed, visit PenFed.org, like us on Facebook and follow @PenFed on Twitter. Interested in working for PenFed? Check us out on Linkedin.