(224) 770-5304

Understanding Automated Clearing House (ACH)

What is ACH? ACH stands for Automated Clearing House, a regulated electronic network facilitating direct fund transfers between two bank accounts.

Benefit of ACH payments within the Teamsters VIP+ Plan:

    1. Convenience: Eliminates the need for writing checks
    2. Enhanced Security: Reduces the potential for human errors.
    3. Recurring Billing: Ensures timely payments without the need for manual intervention.
    4. Fast Processing: Minimizes delays or mail-related issues in payment delivery.
    5. Improved Payment Tracking: Payee information appears on bank statements or financial software.
    6. Environmentally Friendly: Promotes eco-friendliness with the reduction of paper use.

ACH offers robust security compared to traditional checks

According to the 2023 AFP Payments Fraud and Control Survey, paper checks were the most susceptible payment method to fraud in 2022, as has been the case for the past 10+ years. Checks contain sensitive information such as account and routing numbers, along with the account holder’s personal contact information like name, address and phone number. Sending a paper check via mail exposes it to various risks, such as loss, signature forgery and tampering. Conversely, ACH payments are a secured and safe method of sending money.

ACH Authorization Terms and Conditions

When agreeing to ACH Terms, you authorize Union One Benefits Administration, Inc (“Union One”) to electronically debit and credit your designated deposit account at your designated depository financial institution (your “Bank Account”) via ACH and, if ever applicable, to correct debits and credits via ACH as follows:

    • Frequency of Debits: On the closest Business Day to the date of your selected draft (however, debits and credits may not necessarily occur every Business Day)

Have further questions? The Teamsters VIP+ Plan team can assist you at (224) 770-5304.


IMPORTANT: The monthly cost for coverage is based on your age at the start of the coverage and will rise on the policy anniversary date after you move into a new age bracket. This benefits guide is tailored for Members aged 18-79. If you depart from the IBT, opt out of paying dues, or retire, you must notify the Teamsters VIP+ administrative office at (224) 770-5304. Not doing so within 90 days could delay or negate your eligibility for a refund.

Participation in this program is voluntary, and the decision to enroll rests solely with the Members. Members are responsible for bearing all associated costs. A $1 technology fee is included in all listed monthly costs for the following coverages: Short-Term Disability, Long-Term Disability, Member Life, and Spouse Life.

We encourage Members to thoroughly review the complete policy booklet, email info@teamstersVIP.com to request a copy, if you did not receive one upon enrollment.

This program is administered by Union One Benefits Administration.

Union One


For STD & LTD: These policies provide disability income insurance only and do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.

North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.

Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series: 83500.

Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

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