Our members’ experiences with trial product offers have been anything but great.  Advertisements state you will receive a trial sample for free or a small fee.  In very small print it specifies that if it isn’t cancelled within 14 days you will incur a charge for new product. This charge is approximately $85.00 and will be withdrawn from your account on the 14th day. These companies are not willing to refund the larger charge and sometimes the product isn’t received. Please be aware of these advertisements and look for any terms and agreements BEFORE you choose to participate with the sample. Unfortunately, the Credit Union is unable to get your money back in these situations due to your acceptance of the terms when you purchase the trial version.