For many, the thought of a loan is like a hangman’s noose. But at Caribbean Union Bank, we want you to continue to enjoy life and this is why our loans are tailored for your personal fit. When it comes to loans, our motto is NEGOTIABLE, and we’ll work with you to create a plan that’s acceptable and convenient so you can continue to live your dreams. Our approval process is quick, there’s no excessive paperwork and our security requests are reasonable. Give us a call or come in and sit with one of our personal bankers and let’s start making that dream of yours a reality … the Better Way.

It doesn’t matter if it’s your key to the online world of shopping or your emergency “stash”.From the Caribbean to China, a Visa Credit Card with Caribbean Union Bank brings you closer to the world and is accepted by over 29 million merchants worldwide. And in the case of an emergency, enjoy peace of mind knowing that you’ll have purchasing power, including a cash advance up to your credit limit.

In fact, let’s debunk some of those credit card myths right now!

Someone will steal my information. Owning a credit card is actually more secure than carrying cash. Think about it. With a simple phone call, you can cancel your credit card if it is lost, stolen or you suspect fraud.

I won’t be able to track my purchases. Wrong! If you’re one of those persons who tosses receipts with the trash, your credit card actually keeps a pretty accurate record of your spending history. In fact, this familiarizes the company with your spending habits which makes it easier for them to identify suspicious activity. Your credit card is also linked to your account, which means you can easily access your credit history through our e-Connect.

The interest rates are ridiculous. Once you clear your balance every month, there’s nothing to worry about. So if an emergency is the main reason for owning a card, then there should be no fees applied for not using it.

Cash is better to travel with. While there are still several advantages to using cash, owning a credit card offers more options for your money, and security. When travelling, if your cash is stolen or lost, that’s it. With a credit card, your mind will be at ease as you’re not travelling with a large amount of cash, and if lost or stolen, it can be easily cancelled and replaced – your actual money will be safe. And with the increasing number of ATMs around the world, you won’t have to worry about buying currency at the last moment. Actually, here’s a little tip: If you’re travelling and have saved up some cash for your trip, simply add it to your credit card. Once you stay within your limit of what you’ve saved, there’ll be no monthly balance to repay and you can collect rewards as well.

With three options to choose from, owning a CUB credit card is … the Better Way!

Never let location stop a successful transaction again. Yes you might have a business that accepts cash – but what about your customers who are off island, or prefer the use of credit cards? Did you know that there are over one billion cards issued worldwide? Imagine tapping into a fraction of that market for your business!! Give your clients peace of mind and offer them an easy, secure and convenient option to make their payments by becoming a CUB Merchant. With Visa/Mastercard accounting for 75% of the total volume of transactions with credit and debit cards worldwide, you can access a more diverse consumer base.

So what does that mean for you?

• Access to a larger customer base, including online shoppers
• Generate more sales
• Yield more profits
• Guaranteed payments
• Reduced administrative costs
• CUB assistance every step of the way (including training for your staff)

That’s why accepting Visa/MasterCard cards means great peace of mind and a guarantee of payment for your business.

How do you become a part of the Merchant Network

If you are accepting or not accepting Visa/MasterCard cards right now but would like to make a change or would like your business to accept them as a form of payment, ask CUB, your preferred Visa/MasterCard Financial Institution, to assist you. Give us a call or come in at your convenience and have one of our experienced financial advisers walk you through every step of this process.

These are just some of the details you’ll discuss:

• The number of business locations where you will be accepting Visa/MasterCard cards.
• The payment card acceptance methods in your merchant locations
• The type of systems you will be using to process Visa/MasterCard card payment transactions
• The estimated annual volume of Visa/MasterCard payment card transactions and the average transaction amount
• The cost of accepting Visa/MasterCard cards.
• The time frame to implement Visa/MasterCard card acceptance at your merchant locations
• Training of your staff on card acceptance procedures and fraud prevention.
• Signalization at your business locations
• Avoiding Chargeback
• Card security features

Caribbean Union Bank is here for you, so stop thinking about it and come in to see how we can help you become a CUB Merchant … the Better Way!

It’s all about convenience. At Caribbean Union Bank we know how busy you can become, so if there’s no time to come in and see us, that’s not a problem. Let us bring the bank to you in a secure and sophisticated online environment. Conduct a number of transactions at your leisure, including applications for some of our services. Experience an entirely new way of banking online with e-Connect … the Better Way!

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