Technology Credit Union servicing home and auto loans in San Jose, Cupertino, Sunnyvale, Santa Clara, Silicon Valley, Dublin and Milpitas. Personal Business TechCU@Work ABA/Routing #121181976Access your credit union accounts from any computer that has an internet connection. It's a free, easy and secure way to manage your money. Check account balances. Review …If you prefer not to use geolocation, please use the map below to find ATMs near you. Search tool for Locations and ATMs. Use my current location. Or. City & State, or Zip. Please enter a City & State or a ZIP code. X. FilterList View. Tech CU Branches.It comes in two forms: the regular credit card or the secured credit card. You can also choose between a traditional design or our new San Jose Sharks card! If you already have a Tech CU Visa Card and want to switch designs, please call 877-988-0471, make a Virtual Branch appointment, or visit a branch. All Tech CU cards provide security, great ...The Credit Union Will Serve Members at its Downtown Austin location and Through its Virtual BranchSAN JOSE, Calif., Jan. 29, 2024 (GLOBE NEWSWIRE) -- Today, Tech CU (Technology Credit Union ...Sign In Register - Forgot Username? Forgot Password? Forgot Everything? - Locked? If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (844) 909-5146 for assistance. Also, all products, services and information mentioned on this website are available at any of our physical branches ... Sign In Register – Forgot Username? Forgot Password? Forgot Everything? – Locked? If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (844) 909-5146 for assistance. Also, all products, services and information mentioned on this website are available at any of our physical branches ... Call Tech Car Shopper Monday through Friday at 800-553-0880 (9 a.m.-5 p.m. PST) or fill out the form below and an expert consultant will contact you within one business day. * indicates a required field. First Name:*. Last Name:*. Zip:*.To get started: Open the Tech CU app. Tap the top left corner to bring up the menu, and choose Card Manager. Activate Card Manager by downloading and allowing notifications. Go back to the app, tap the menu and select Card Manager. Set a secure passcode to enable direct access. Take charge of your card activity.VISA Classic ® (Share Secured) Apply Now. Card Benefits. Earn 1.25 Rewards Points for every $1 spent on purchases. Redeem for travel, cash, merchandise and more. Our lowest available interest rate among all Tech CU credit cards. Establish or rebuild your credit. Annual Fee. $0.Private Banking Products And Services For All Your Financial Needs. Private Banking products and services from Tech CU offer all the exceptional products and services you've come to know and love with the addition of added benefits and services suitable for your financial lifestyle. It offers one point of contact to the entire world of Tech ...Technology Credit Union servicing home and auto loans in San Jose, Cupertino, Sunnyvale, Santa Clara, Dublin and Milpitas. Personal Business TechCU@Work ABA/Routing #121181976Sign In Register - Forgot Username? Forgot Password? Forgot Everything? - Locked? If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (844) 909-5146 for assistance. Also, all products, services and information mentioned on this website are available at any of our physical branches ...To get started: Open the Tech CU app. Tap the top left corner to bring up the menu, and choose Card Manager. Activate Card Manager by downloading and allowing notifications. Go back to the app, tap the menu and select Card Manager. Set a secure passcode to enable direct access. Take charge of your card activity.Joining Tech CU is about more than opening an account. It's about joining a credit union that puts members' needs first. Tech CU again earned a 5-star rating from Bauer Financial in 2023! This rating speaks to Tech CU's strong financial position. Profits returned to members as lower loan rates, low or no fees, outstanding service, and ...Sunnyvale Branch - West El Camino Real. We are here to serve you and all of your financial needs. Give us a call, visit us, or make an appointment to speak to one of our experts. At West El Camino Real. 333 W El Camino Real. Sunnyvale, CA 94087. Find More Locations.Welcome! Find a Branch ABA/Routing# 121181976. Fast Pay Join Now. Checking and Savings. Checking; Savings; Savings AccountStep 1 of 4 Register - Enter your Information. Step 1 of 4. Register - Enter your Information. Member Number: typically 2-10 digits, primary account holder. Social Security Number: last 4 digits only - Example: 1234. Birthday: mm/dd/yyyy - Example: 04/29/1988.Sign In Register – Forgot Username? Forgot Password? Forgot Everything? – Locked? If you are using a screen reader or other auxiliary aid and are having problems …5.12% APY 11-Month Term. Earn more on your deposits by opening this Certificate of Deposit (CD) with money you transfer from lower-paying accounts at other financial institutions. Minimum $10,000 new money to open. Transfers between Tech Credit Union accounts do not qualify. Penalty imposed for early withdrawal.Joining Tech CU is about more than opening an account. It's about joining a credit union that puts members' needs first. Tech CU again earned a 5-star rating from Bauer Financial in 2023! This rating speaks to Tech CU's strong financial position. Profits returned to members as lower loan rates, low or no fees, outstanding service, and ...For personal assistance, you may contact Tech CU's Virtual Branch from anywhere by making an appointment at a time that fits your schedule. (Small Business and Commercial Members, please call (408) 441-4752.) Schedule Virtual Appointment. If you are in the Bay Area, visit one of our physical branches. Or call us at (800) 553-0880.Specialties: When you choose Tech CU, you're joining a credit union that was founded in heart of Silicon Valley by a group of forward-thinking entrepreneurs and future high-tech leaders. Today, Tech CU is a leading credit union in the Bay Area and is one the 100 largest credit unions in the U.S.--thriving off of that same entrepreneurial spirit that got us started and rooted in serving the ...You will not be able to re-register until you contact Technology Credit Union. Sign In Register - Forgot Username? Forgot Password? Forgot Everything? - Locked? If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (844) 909-5146 for assistance.This may seem like a total no brainer, but you can actually save a lot of money by working during school or living at home, since all your big living expenses are covered by your parents. Hunt for free money. There are literally thousands of scholarships and grants out there. Some are for students from certain backgrounds, while others are for ...Technology Credit Union will be offering a free in person interactive experience to our members and non-members to help you to understand the new fraud climate and how to avoid getting caught up in a scam. Member Fraud Seminars will be conducted at the Campbell Branch. Sign up for April 24th at 4pm Sign up for April 27th at 11am.All Events: The below policies are consistent for all events hosted at Tech CU Arena.. Animals: We permit no animals in Tech CU Arena than animals that are certified “Working Dogs” and “Miniature Ponies” that are in service to assist disabled guests.Service dogs “in-training” are not allowed in Tech CU Arena. Bags: Please check our new bag policy.These payments can be one-time or recurring. Simply set up the request with the vendor and provide your account number (13 digit format) along with Tech CU's Routing Number (ABA#) 121181976 (or a Tech CU debit/credit card number) to authorize payment. You can also set up monthly automatic payments for a Tech CU loan using our ACH form.Want to call us directly instead? Please feel free to call us at (408) 451-9111 or toll free (800) 553-0880. To report a lost or stolen Debit or Credit Card after business hours, please call (888) 241-2510.4 Payment per $1,000 is based on the highest interest rate with the maximum term. 5 $25,000 minimum loan amount for 84 month financing. 6 Vehicle must be 4 model years or newer with less than 60,000 miles. All loans require Tech CU membership, credit approval and you must meet security requirements. Tech CU will finance private party purchased ...To apply for a Home Equity Loan, submit an online application Opens a new window. Rate and payment shown above are based on current offered rates. Call 408-451-9111 or 800-553-0880 or see our current rates. We absorb all costs associated with establishing your loan, which generally total funding between $140 and $2,000 depending on the loan amount.2022 Annual Report. Read the Tech CU Annual Report to learn about our 2022 achievements and our future plans as we continue to stay focused on putting our members first and giving back through lower fees, better rates, and a strong commitment to helping our community. Read the 2022 Annual Report (PDF) Printable Annual Report (PDF)Mail your payment to: Tech CU, PO Box 1300, San Jose, CA 95108-1300, with written instructions to apply as “Principal Only Payment,” and your Tech CU solar loan account number. How do I pay off my solar loan? To obtain today’s pay-off amount, good through 6:00 pm, visit Fast Pay.Tech CU. 2,676 likes · 13 talking about this. At Tech CU we are an innovative financial institution with deep Bay Area roots and a focus on providiSign In Register - Forgot Username? Forgot Password? Forgot Everything? - Locked? If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (844) 909-5146 for assistance. Also, all products, services and information mentioned on this website are available at any of our physical branches ...Technology Credit Union. 1562 S Bascom Ave San Jose, CA 95125-6108. 1; 2 > Location of This Business 2010 N 1st St, San Jose, CA 95131-2018. BBB File Opened: 3/29/2007. Years in Business: 25.Open A Deposit Account With Tech CU. Your Solar Loan makes you a member of Tech CU and as part of the family, you're able to enjoy many Tech CU products and services. This includes opening a deposit account. We offer traditional Savings accounts, Money Market and Certificate accounts, to name just a few! Open a Personal Savings Account.If you prefer not to use geolocation, please use the map below to find ATMs near you. Search tool for Locations and ATMs. Use my current location. Or. City & State, or Zip. Please enter a City & State or a ZIP code. X. FilterList View. Tech CU Branches.VISA Classic ® (Share Secured) Apply Now. Card Benefits. Earn 1.25 Rewards Points for every $1 spent on purchases. Redeem for travel, cash, merchandise and more. Our lowest available interest rate among all Tech CU credit cards. Establish or rebuild your credit. Annual Fee. $0.First Tech Federal Credit Union's Branch Locations, ATMs, and Shared Branch MapThe following branches are open Monday through Friday, 9:00 am - 5:00 pm: Campbell, Cupertino, Dublin, Fremont, Milpitas, Palo Alto, San Jose, Santa Teresa, and Sunnyvale. Monday and Friday, 10:00 am - 4:00 pm. The following branch is open Monday and Friday, by appointment only, 10:00 am - 4:00 pm: San Francisco.Sign In Register - Forgot Username? Forgot Password? Forgot Everything? - Locked? If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (844) 909-5146 for assistance. Also, all products, services and information mentioned on this website are available at any of our physical branches ...Call Tech Car Shopper Monday through Friday at 800-553-0880 (9 a.m.-5 p.m. PST) or fill out the form below and an expert consultant will contact you within one business day. * indicates a required field. First Name:*. Last Name:*. Zip:*.We are committed to protecting the privacy of all members, including children under the age of 13, and their parents. Our debit and credit cards come equipped with a variety of fraud protection services. Identity theft occurs when your personal information is stolen. Learn how to protect yourself.Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite.Sign In Register - Forgot Username? Forgot Password? Forgot Everything? - Locked? If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (844) 909-5146 for assistance. Also, all products, services and information mentioned on this website are available at any of our physical branches ...The capital you need to take your business to the next level. SBA loans (Small Business Administration) are set up and guaranteed by the U.S. government to help small businesses find the funding they need to operate and grow. The SBA does not loan the money directly, but provides a guarantee to Tech CU that you will repay your loan as promised.2.05%. 03/01/2024. *For balances of $50,000 and up, receive a rate boost of 0.10% with a Tech CU Checking Account and direct deposit of a minimum net pay of $100. If you have a private banking relationship with us, we will automatically waive the direct deposit criteria beginning January 2, 2018 (minimum balance requirement of $50,000 still ...U.S. Mortgage Insurers, a trade group that advocates for mortgage insurance companies, tracks how many Americans are impacted annually by private mortgage insurance. According to its data, nearly 800,000 home buyers were able to purchase a home with the use of private mortgage insurance. Among that group: Nearly 63% were first-time homebuyers.Todd Harris, President and CEO. Jeannine Jacobsen, Executive Vice President/Chief Operating Officer. Joe Anzalone, Executive Vice President/Chief Commercial Banking Officer. Richard Hanz, Executive Vice President/Chief Financial Officer. Robert Reed, Executive Vice President/Chief Retail Banking Officer.Open A Deposit Account With Tech CU. Your Solar Loan makes you a member of Tech CU and as part of the family, you're able to enjoy many Tech CU products and services. This includes opening a deposit account. We offer traditional Savings accounts, Money Market and Certificate accounts, to name just a few! Open a Personal Savings Account.Specialties: When you choose Tech CU, you're joining a credit union that was founded in heart of Silicon Valley by a group of forward-thinking entrepreneurs and future high-tech leaders. Today, Tech CU is a leading credit union in the Bay Area and is one the 100 largest credit unions in the U.S.--thriving off of that same entrepreneurial spirit that got us started and rooted in serving the ...When you order a VISA Debit Card over the phone or through Online Banking, you'll receive it within 7 to 10 business days. A Tech CU checking account is required to receive a VISA Debit Card. To report a lost or stolen card, please call (800) 553-0880 during regular business hours. After business hours, please call (888) 241-2510.By Phone. Call us anytime. 800-553-0880. New loan inquiries. 877-988-0471.1. The new borrower may apply to assume the solar loan. The buyer must qualify within Tech CU's lending criteria. 2. The loan can be paid in full. To obtain today's pay-off amount, good through 6:00 pm, visit Fast Pay. For 3rd party pay-off requests, email [email protected] and provide a signed Borrower's Authorization to Release ...Wide range of loan amounts and repayment terms: First Tech loans start at $500 and go to $50,000, meaning borrowers can fund a wide range of expenses, from a small emergency repair to a major home ...It comes in two forms: the regular credit card or the secured credit card. You can also choose between a traditional design or our new San Jose Sharks card! If you already have a Tech CU Visa Card and want to switch designs, please call 877-988-0471, make a Virtual Branch appointment, or visit a branch. All Tech CU cards provide security, great ...2024. Annual Contribution. $6,500. $7,000. Catch-Up. $1,000. $1,000. For more information about our Individual Retirement Accounts, or to open an account stop by one of our branches or call us at (800) 553-0880 or (408) 451-9111. Make an Appointment Visit the IRA Service Center.Cancer CAREpoint serves 1,500+ clients per year and has helped 10,000 people to date. Additionally, 98% of clients report a higher quality of life after engaging with Cancer CAREpoint programs and services. To learn more about CancerCAREpoint or how you can support their services, contact Cancer CAREpoint at [email protected] days ago · Sign In Register – Forgot Username? Forgot Password? Forgot Everything? – Locked? If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (844) 909-5146 for assistance. Also, all products, services and information mentioned on this website are available at any of our physical branches ... First Tech Rewards Savings (FTRS) Qualified APY is 5.00% on the first $25,000 and 0.10% on remaining balance; FTRS Non-Qualified APY is 0.01% on all balances. Terms and conditions apply. Membership is required and subject to approval. Fees could reduce earnings on the account. First Tech Federal Credit Union is the nation's premier credit union ... For personal assistance, you may contact Tech CU’s Virtual Branch from anywhere by making an appointment at a time that fits your schedule. (Small Business and Commercial Members, please call (408) 441-4752.) Schedule Virtual Appointment. If you are in the Bay Area, visit one of our physical branches. Or call us at (800) 553-0880. It comes in two forms: the regular credit card or the secured credit card. You can also choose between a traditional design or our new San Jose Sharks card! If you already have a Tech CU Visa Card and want to switch designs, please call 877-988-0471, make a Virtual Branch appointment, or visit a branch. All Tech CU cards provide security, great ...Technology Credit Union servicing home and auto loans in San Jose, Cupertino, Sunnyvale, Santa Clara, Dublin and Milpitas. Personal Business TechCU@Work ABA/Routing #121181976Sign In Register - Forgot Username? Forgot Password? Forgot Everything? - Locked? If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (844) 909-5146 for assistance. Also, all products, services and information mentioned on this website are available at any of our physical branches ...Main Contact Information. 2010 N. First Street, Suite 500 . San Jose, CA 95131 . Map and Directions. Phone: 800.851.8549 Contact Form. Make an appointment.At Tech CU, we offer more than mortgage loans. We offer expert guidance from our team of competent, knowledgeable mortgage consultants. Breadth of mortgage solutions for any size home purchase. Competent mortgage consultants available by appointment to help you. Competitive rates, often better than banks.If you have any questions regarding any of the fees outlined in this schedule, please call us at (408) 451-9111 or (800) 553-0880. The information contained in this fee schedule is effective as of 12/01/2023. . The Credit Union may impose the following fees, if necessary.Board of Directors. Mical Brenzel has been a member of the Technology Credit Union Board of Directors since 1989. She has served as Chairman of the Board (a position in which she still serves) and has chaired the Investment and Finance Committees. Ms. Brenzel worked for 30 years in corporate treasury and finance in both the Bay Area and New York.Contact a Commercial Banker at (800) 553-0880 to get started, or fill out our Contact Form . You can expect a response within 1-2 business days. If your business was established in a state other than California (and where you opened your account), you must provide a certificate issued by the Secretary of State authorizing you to transact ...Tech CU is a banking institution serving the high-tech workforce and its ecosystem in the Bay Area and Texas. Follow its LinkedIn page to see updates, jobs, awards, and …Tech CU is a not-for-profit, federally insured credit union dedicated solely to our members. Since we do not have stockholders, we are able to re-invest in you through award-winning service, great rates, and no fees whenever possible. Tech CU is focused on you! New offer: Open a Checking Account along with your new High Yield Savings Account ...Joining Tech CU is about more than opening an account. It's about joining a credit union that puts members' needs first. Tech CU again earned a 5-star rating from Bauer Financial in 2023! This rating speaks to Tech CU's strong financial position. Profits returned to members as lower loan rates, low or no fees, outstanding service, and ...Find the answers to everything you need to know about Mobile Banking. Registration and General FAQs. Mobile Deposit. Text Banking. Apple Pay, Android Pay and Samsung Pay.Technology Credit Union servicing home and auto loans in San Jose, Cupertino, Sunnyvale, Santa Clara, Silicon Valley, Dublin and Milpitas. Personal Business TechCU@Work ABA/Routing #121181976We are committed to protecting the privacy of all members, including children under the age of 13, and their parents. Our debit and credit cards come equipped with a variety of fraud protection services. Identity theft occurs when your personal information is stolen. Learn how to protect yourself.Cancer CAREpoint serves 1,500+ clients per year and has helped 10,000 people to date. Additionally, 98% of clients report a higher quality of life after engaging with Cancer CAREpoint programs and services. To learn more about CancerCAREpoint or how you can support their services, contact Cancer CAREpoint at [email protected]. These payments can be one-time or recurring. Simply set up the request with the vendor and provide your account number (13 digit format) along with Tech CU's Routing Number (ABA#) 121181976 (or a Tech CU debit/credit card number) to authorize payment. You can also set up monthly automatic payments for a Tech CU loan using our ACH form. Tech CU offers two types of checking accounts to fit your financial lifestyle. Basic Checking offers easy checking account basics without interest, but you also avoid all fees normally charged by other financial institutions. Interest Checking offers interest to those who maintain a minimum average daily balance. Offered APYs are subject to ... 7.84% - 9.34%. $16.26. 04/01/2024. Vehicle Loan Terms: 1 Term subject to credit approval. 2 Maximum loan amount based on approved credit. New (current model year) vehicles: Up to 125% of MSRP (including tax, license, and document fees), plus GAP on approved credit. 3 Interest Rate will vary based on approved credit.Technology Credit Union servicing all of your personal banking needs from checking accounts, savings, personal loans, home and auto loans in the Silicon Valley and San Francisco Bay Area. Find a branch or fee free ATM near you. Personal Business TechCU@Work. ABA/Routing #121181976. Our Rates. California; Idaho;By Phone. Call us anytime. 800-553-0880. New loan inquiries. 877-988-0471.These payments can be one-time or recurring. Simply set up the request with the vendor and provide your account number (13 digit format) along with Tech CU's Routing Number (ABA#) 121181976 (or a Tech CU debit/credit card number) to authorize payment. You can also set up monthly automatic payments for a Tech CU loan using our ACH form.Step 1 of 4 Register – Enter your Information. Step 1 of 4. Register – Enter your Information. Member Number: typically 2-10 digits, primary account holder. Social Security Number: last 4 digits only – Example: 1234. Birthday: mm/dd/yyyy – Example: 04/29/1988.Why Choose Tech CU? People over profits – we focus on member needs, not shareholder dividends. Extensive breadth of products for our members’ every financial need. Superior rates. Zero or transparent, minimal fees. Unparalleled service from competent bankers. Awarded Forbes 2021 Best-in-State Credit Unions designation based on member ...As a Business member, your company’s needs come first. We’re here to serve you — not sell to you. You’ll find knowledgeable, welcoming experts who will sit with you to answer all your questions. To learn more about Tech CU’s Business Banking services, call us at (800) 553-0880, make an appointment online, or visit one of our branches.Important Security Update Regarding your Browser. Ensuring the highest level of security when it comes to your online transactions and banking activity is our top priority. We'd like to let you know about a key change beginning June 15 and initiated by industry leaders (i.e. Google and Firefox). It may impact how you access both public ...
Private Banking Products And Services For All Your Financial Needs. Private Banking products and services from Tech CU offer all the exceptional products and services you've come to know and love with the addition of added benefits and services suitable for your financial lifestyle. It offers one point of contact to the entire world of Tech .... Gmail
Sign In Register - Forgot Username? Forgot Password? Forgot Everything? - Locked? If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (844) 909-5146 for assistance. Also, all products, services and information mentioned on this website are available at any of our physical branches ...Sign In Register - Forgot Username? Forgot Password? Forgot Everything? - Locked? If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (844) 909-5146 for assistance. Also, all products, services and information mentioned on this website are available at any of our physical branches ...Joining Tech CU is about more than opening an account. It's about joining a credit union that puts members' needs first. Tech CU again earned a 5-star rating from Bauer Financial in 2023! This rating speaks to Tech CU's strong financial position. Profits returned to members as lower loan rates, low or no fees, outstanding service, and ...Мы хотели бы показать здесь описание, но сайт, который вы просматриваете, этого не позволяет.College Funding Options. August 19, 2021. By: Team, Tech CU Team, Technology Credit Union. For decades, parents have used custodial accounts to transfer funds to their minor children to help build assets for college costs. However, the 2001 and 2017 tax laws have enhanced the tax benefits of other types of asset ownership that should be considered. These payments can be one-time or recurring. Simply set up the request with the vendor and provide your account number (13 digit format) along with Tech CU's Routing Number (ABA#) 121181976 (or a Tech CU debit/credit card number) to authorize payment. You can also set up monthly automatic payments for a Tech CU loan using our ACH form. Online banking gives you secure access to your accounts — no matter where you are. Manage your accounts, check balances, transfer money, pay bills, set up alerts and …You can access account info, deposit checks, transfer funds, even check your credit score—24/7. It doesn't matter what method you choose, we have the options available for you: Mobile Apps for iPhone ® and Android ® and Mobile Web. Mobile Banking* is free, secure and available wherever you are. All you need to start using Mobile Banking is ... The following branches are open Monday through Friday, 9:00 am - 5:00 pm: Campbell, Cupertino, Dublin, Fremont, Milpitas, Palo Alto, San Jose, Santa Teresa, and Sunnyvale. Monday and Friday, 10:00 am – 4:00 pm. The following branch is open Monday and Friday, by appointment only, 10:00 am – 4:00 pm: San Francisco. Sign In Register - Forgot Username? Forgot Password? Forgot Everything? - Locked? If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (844) 909-5146 for assistance. Also, all products, services and information mentioned on this website are available at any of our physical branches ...Make your money as mobile as you are with the Tech Credit Union Mobile Banking app. It’s fast, free* and secure! Available features include…. - View account balances. - Review transaction history. - Transfer funds. - Deposit paper checks**. - Receive, view, and pay your bills***. - View and activate cash-back offers.Your account number with Tech CU is a 13-digit number. It is comprised of your account code, account ID and member number formatted as follows: First Digit: Account Code - 1 for share accounts, 2 for loans. Next 2 digits: Account ID. Last 10 digits: Membership number preceded by zeroes.If you prefer not to use geolocation, please use the map below to find ATMs near you. Search tool for Locations and ATMs. Use my current location. Or. City & State, or Zip. Please enter a City & State or a ZIP code. X. FilterList View. Tech CU Branches.*Available to employees and contractors of member companies. To qualify for $400, open a new Tech CU checking account by 6/30/24, and complete at least 10 qualifying transactions (including payroll deposits, debit card purchases, bill payments, or electronic payments—excluding bank-to-bank transfers) every month for 6 consecutive months..