A debit card, also known as a check card or bank card, is a payment card that can be used in place of cash to make purchases. The card usually consists of the bank's name, a card number, the cardholder's name, and an expiration date, on either the front or the back. Many new cards now have a chip on them, which allows people to use their card by touch (contactless), or by inserting the card and keying in a PIN as with swiping the magnetic stripe. Debit cards are similar to a credit card, but the money for the purchase must be in the cardholder's bank account at the time of the purchase and is immediately transferred directly from that account to the merchant's account to pay for the purchase.
In the United States, a political action committee (PAC) is a tax-exempt 527 organization that pools campaign contributions from members and donates those funds to campaigns for or against candidates, ballot initiatives, or legislation. The legal term PAC was created in pursuit of campaign finance reform in the United States. Democracies of other countries use different terms for the units of campaign spending or spending on political competition. At the U.S. federal level, an organization becomes a PAC when it receives or spends more than $1,000 for the purpose of influencing a federal election, and registers with the Federal Election Commission (FEC), according to the Federal Election Campaign Act as amended by the Bipartisan Campaign Reform Act of 2002. At the state level, an organization becomes a PAC according to the state's election laws.
EMV is a payment method based on a technical standard for smart payment cards and for payment terminals and automated teller machines which can accept them. EMV stands for "Europay, Mastercard, and Visa", the three companies that created the standard.
Service Employees International Union (SEIU) is a labor union representing almost 1.9 million workers in over 100 occupations in the United States and Canada. SEIU is focused on organizing workers in three sectors: healthcare, including hospital, home care and nursing home workers; public services ; and property services.
Interac is a Canadian interbank network that links financial institutions and other enterprises for the purpose of exchanging electronic financial transactions. Interac serves as the Canadian debit card system and the predominant funds transfer network via its e-Transfer service. There are over 59,000 automated teller machines that can be accessed through the Interac network in Canada, and over 450,000 merchant locations accepting Interac debit payments.
Navy Federal Credit Union is an American global credit union headquartered in Vienna, Virginia, chartered and regulated under the authority of the National Credit Union Administration (NCUA). Navy Federal is the largest natural member credit union in the United States, both in asset size and in membership. As of November 2024, Navy Federal has US $180.8 billion in assets and has 14.2 million members.
Defenders of Wildlife is a 501(c)(3) non-profit conservation organization based in the United States. It works to protect all native animals and plants throughout North America in their natural communities.
Houston Methodist Hospital is the flagship quaternary care hospital of Houston Methodist academic medical center. Located in the Texas Medical Center in Houston, Texas, Houston Methodist Hospital was established in 1919 during the height of the Spanish influenza epidemic as an outreach ministry of Methodist Episcopal Church. Houston Methodist comprises eight hospitals, an academic institute, a primary care group, and more than 300 locations throughout greater Houston.
America First Credit Union is a federally chartered credit union headquartered in Riverdale, Utah, United States. As of December 2023, America First was the fifth largest credit union in the United States in terms of total membership and seventh largest credit union in assets in the U.S.
Pentagon Federal Credit Union, widely known by its abbreviated name PenFed, is a United States federal credit union headquartered in McLean, Virginia, chartered and regulated under the authority of the National Credit Union Administration (NCUA). PenFed is the nation's third largest federal credit union, with assets of $34.8 billion and more than 2.8 million members as of December 2023.
First Tech Federal Credit Union is a federally chartered credit union headquartered in Hillsboro, Oregon. It is regulated under the authority of the National Credit Union Administration (NCUA). First Tech has over 650,000 members, and over 12 billion dollars in assets with 36 branches located mostly in high technology business centers of California, Colorado, Oregon, Washington and four other states. It was the first financial institution to offer telephone interactive voice response access and online banking.
Credit unions in the United States served 100 million members, comprising 43.7% of the economically active population, in 2014. U.S. credit unions are not-for-profit, cooperative, tax-exempt organizations. The clients of the credit unions become partners of the financial institution and their presence focuses in certain neighborhoods because they center their services in one specific community. As of March 2020, the largest American credit union was Navy Federal Credit Union, serving U.S. Department of Defense employees, contractors, and families of servicepeople, with over $125 billion in assets and over 9.1 million members. Total credit union assets in the U.S. reached $1 trillion as of March 2012. Approximately 236,000 people were directly employed by credit unions per data derived from the 2012 National Credit Union Administration (NCUA) Credit Union Directory. As of 2019, there were 5,236 federally insured credit unions with 120.4 million members, and deposits of $1.22 trillion.
The AFL–CIO Employees Federal Credit Union is a multiple common bond, federally chartered credit union headquartered in Washington, D.C. The credit union was founded in 1952 for members of the AFL–CIO. It currently has two locations serving 9,723 members. AFL–CIO Employees FCU has assets of $76 million. The most current annual report lists assets for Fiscal Year ending December 31, 2015, as $53.6 million.
State Employees' Credit Union (SECU) is an American state-chartered credit union headquartered in Raleigh, North Carolina regulated under the authority of the Credit Union Division of the North Carolina Department of Commerce. SECU member deposits are insured by National Credit Union Administration (NCUA) of the U.S. federal government. SECU is the second largest natural member credit union in the United States, both in asset size and in membership. As of June 30, 2023, SECU has $49.6 billion in assets, over 2.75 million members, and 275 branches with locations in all of North Carolina's 100 counties. SECU operates the no-fee CashPoints automated teller machine network, which is the largest ATM network in North Carolina. Membership in the credit union is primarily limited to employees of the state of North Carolina and their immediate family or the immediate family of current SECU members.
The Professional Aviation Safety Specialists (PASS) is a labor union affiliated with the AFL–CIO through its affiliation with the Marine Engineers' Beneficial Association. It represents more than 11,000 Federal Aviation Administration (FAA) and Department of Defense employees. These employees install, maintain, support and certify air traffic control and national defense equipment, inspect and oversee the commercial and general aviation industries, develop flight procedures, and perform quality analyses of complex aviation systems used in air traffic control and national defense in the United States and abroad.
A card security code is a series of numbers that, in addition to the bank card number, is printed on a credit or debit card. The CSC is used as a security feature for card not present transactions, where a personal identification number (PIN) cannot be manually entered by the cardholder. It was instituted to reduce the incidence of credit card fraud. Unlike the card number, the CSC is deliberately not embossed, so that it is not read when using a mechanical credit card imprinter which will only pick up embossed numbers.
The Pakistan Federal Union of Journalists (PFUJ) is a trade union federation of journalists in Pakistan. PFUJ is affiliated with the International Federation of Journalists.
Caltech Employees Federal Credit Union (CEFCU) is a credit union for the California Institute of Technology family and its affiliate organizations. CEFCU is headquartered in La Cañada Flintridge and is the 36th largest credit union in the state of California. It is also the 245th largest credit union in the nation. Caltech Employees Federal Credit Union's savings rates are six times the national average.
Rogue Credit Union, formerly Rogue Federal Credit Union, is an American Oregon State chartered credit union and financial holding company headquartered in Medford, Oregon, United States. As of 2022, the credit union's assets are $3.70 billion USD. Rogue Credit Union's branch network serves Southwest Oregon counties of Coos, Curry, Douglas, Jackson, Josephine, Malheur and Klamath County, as well as Payette County in Idaho and Del Norte County, California.
