SAVE MONEY! OPEN A CHECKING ACCOUNT AT YOUR C.U.

8 REASONS WHY YOUR CHECKING ACCOUNT SHOULD BE AT  THE
LONG BEACH FIREMEN'S CREDIT UNION:

1.  It's Free!* - No monthly charges, No minimum balance charge, No transaction fees.

2.  Free Audio Response - Permits you to check balances, make  transfers or monitor which checks have cleared 24 hours a day.

3.  Earns interest - Interest is paid based on average daily  balance.

4.  Direct Deposit - You may have your pay check electronically  deposited from your employer.  Also FREE "Bill Paying" with Direct Deposit and a good payment history.

5.  Checks are not automatically bounced - If your account has  insufficient funds, we call you.

6.  Free Visa Check/Debit Card** with Direct Deposit - Use at any ATM where Plus, Interlink, Accel, or The Exchange is displayed.  You can use it for purchases anywhere the Visa Logo is displayed.  We still offer our ATN card for members who do not want the Visa Debit Card.

7.  Free overdraft protection - permits automatic transfer of  funds from your savings to your  checking account.

8.  Online Home Banking:  Free transfer of funds instantly from savings to checking (or back) from any computer with an internet connection!


** The first 25 ATM transactions are free, then there is a fee of  $.30 each.
*Check printing is extra.

RETURN
Feb. 4, 1999