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Financial Services

Financial Services

We offer a variety of financial services that will save you time, effort and money. Take advantage of these convenient services to make the most of your full-service financial institution.

Payroll Deduction

Payroll deduction is one of the most popular services with Incenta FCU members.

With payroll deduction, you can authorize a specific amount of money to be deducted from each paycheck to be applied to savings accounts, loan payments, or IRA contributions. This convenient service makes saving a breeze. Sign up, forget about it, and watch your savings grow towards reaching your financial goals!

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Wire Transfers and EFTs

Wire transfers and EFTs (ACH transactions) are available to all members as a fast and secure way to transfer funds between financial institutions. For Domestic and International wire transfer fees, please refer to the Fee Schedule. Our Member Service Representatives are available to assist you or answer any questions regarding your wire transfers.

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Financial Planning

Incenta Federal Credit Union is pleased to announce its association with Harrison Wealth Management Group, Ltd. (“HWMG”).

The representatives of HWMG have been ranked as a local provider of financial services in the Dayton area (Dayton Business Journal 2015*). Brandon Harrison and Chris House, wealth advisors of HWMG, build client relationships by crafting wealth management strategies tailored to the individual. Through their relationship with Raymond James Financial Services, the professionals at HWMG offer:

  • Retirement, Tax and College Planning
  • Managed Asset Plans and Investment Analysis
  • Insurance Review
  • Social Security Optimization Strategies
  • Beneficiary Distribution Planning and Analysis
  • Tax & Estate Planning
  • 401(k) Pension Education
  • Mutual Funds
  • Long-Term Care Insurance
  • Wealth Management

Their initial consultation is complimentary. Chris House, Wealth Advisor, is available for consultation at your local Incenta Federal Credit Union Branch by appointment.

Contact Harrison Wealth Management Group, Ltd. at (937) 866-0197 today!

Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC, and are not insured by credit union insurance, the NCUA, or any other government agency, are not deposits or obligations of the credit union, are not guaranteed by the credit union, and are subjects to risks, including the possible loss of principal “Harrison Wealth Management Group and Incenta Federal Credit Union are not registered broker/dealers, and are independent of Raymond James Financial Services.” Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not address on this site. Contact your local Raymond James office for information and availability.

Investment Advisory Services offered through Raymond James Financial Services Advisors, Inc.
Raymond James Privacy Notice

*Ranked by locally managed assets

*** Representatives are not tax advisors. For information regarding your specific tax situation, please consult a tax professional.

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members.

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Trinity Debt Management

Incenta FCU is partnered with Trinity Debt Management to provide MoneyEd: A Personal Finance Program. Whether you’re looking to start a checking account, obtain a loan, or learn more about personal finance, each course will prepare you to make wise financial choices. When you’re finished, take the quiz at the end of the chapter to measure your success.

Topics include:

  • Managing Your Checking Account
  • Credit Smart
  • Budgeting
  • Auto Loan Finance
  • Personal Finance for College Students
  • Money Smart Teens
  • Debt Management Options
  • Investment Basics
  • Guide to Homeownership
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Legal Shield / ID Shield

Everyone deserves affordable legal and identity theft protection. Including you. No matter how traumatic or trivial your situation, we are here to help. Unexpected legal and identity theft issues arise every day. With LegalShield on your side, you have the power to access legal and identity theft advice and services when you need them, all for one low monthly fee.

Why would you need a legal plan?

A legal service plan can help with all sorts of planned and unplanned legal issues. As a LegalShield member, you can rest assured that whether you’re facing a legal issue that’s big, small or somewhere in between, you’ll have access to legal advice and services when you need them.

Why should you protect your identity?

Identity theft affects millions of Americans each year. Victims of identity theft can face issues such as lost job opportunities, problems with securing a loan or harassment from debt collectors. You can get the experts on your side with an identity theft protection plan. Services include access to your credit report (or consumer credit disclosure), consultations, expert restoration and more. Let LegalShield help you worry less and live more.

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