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M E M B E R S 1 S T F E D E R A L C R E D I T U N I O N
AVENUESJULY/AUGUST 2016
HEADING TO COLLEGE? TIPS AND TRICKS YOU SHOULD CONSIDER!
MOVE YOUR MONEY AROUND WITH EASE!
HEADING TO COLLEGE? TIPS AND TRICKS YOU SHOULD CONSIDER!
MOVE YOUR MONEY AROUND WITH EASE!
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HEADING TO COLLEGE? TIPS AND TRICKS YOU SHOULD CONSIDER!
MOVE YOUR MONEY AROUND WITH EASE!
BACK-TO-SCHOOL SAVINGS for Your Household Budget
D I R E C TO RY
Members 1st FCU does not promote, endorse, or ensure the accuracy of information found on any Web site or publications referenced in this publication. This newsletter is intended to be informative in nature and should not be construed as legal or
EDITOR: Lisa M. MacDougall, Marketing Specialist
MANAGING EDITOR: Lisa Pomeroy Hess, Marketing Team Leader
©2016 Members 1st FCU5000 Louise Drive Mechanicsburg, PA 17055
Federally insured by NCUA. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.
GET CONNECTEDwww.members1st.orgwww.members1stblog.org
TELEBRANCH (CUSTOMER SERVICE): Membership and account inquiries, transactions and account services
(800) 237-7288 [email protected]
Monday-Wednesday: 7:30 a.m. - 5:00 p.m. Thursday: 7:30 a.m. - 6:00 p.m. Friday: 7:30 a.m. - 7:00 p.m. Saturday: 8:30 a.m. - 2:00 p.m.
Do not include any personal information such as your account number, Social Security Number, credit card numbers, electronic services, PINs, passwords or mother’s maiden name in any email correspondence.
ADMINISTRATIVE HEADQUARTERS:(800) 283-2328
For additional phone numbers, go to www.members1st.org » Contact Us.
5000 Louise Drive • PO Box 40 Mechanicsburg, PA 17055
Monday-Friday: 9:00 a.m. - 5:00 p.m.
ROUTING NUMBER: 231382241
NEED TO SEND US SOMETHING?
GENERAL CORRESPONDENCE: Members 1st Federal Credit Union PO Box 40 • Mechanicsburg, PA 17055
LOAN PAYMENTS: Members 1st Federal Credit Union PO Box 2104 • Mechanicsburg, PA 17055-2104
VISA® CREDIT CARD PAYMENTS: Members 1st Federal Credit Union PO Box 2109 • Mechanicsburg, PA 17055-1719
DEPOSITS: Members 1st Federal Credit Union PO Box 2110 • Mechanicsburg, PA 17055-1710
When sending a loan payment or deposit, please include your payment coupon and/or use a deposit or loan payment ticket available at www.members1st.org.
BRANCH & ATM LOCATOR Go to www.members1st.org » Locations (top). Zip code or city search available.
SURCHARGE FREE ATMS
www.members1st.org » Locations (top). Select:
Surcharge Free CO-OP ATMs
Surcharge Free CU$ ATMs
Congratulations to our2015 Associate of the Year!
SHAVONE FRANKTeller II
Millersville Branch
Shavone was nominated and chosen by associates and senior management to receive this award.
Thanks for all of your hard work, Shavone, and we are proud to have
you serve our members!
2 | AVENUES
July/August 2016 | 3July/August 2016 | 3
Need extra cash for your summer trips or back to school?
INTEREST ONLYHOME EQUITY
LINE OF CREDIT
1.99% APR* 3.25% APR*
PROMOTIONAL OFFER RATE
6 month promotional rate and offeravailable through December 31, 2016
No points, closing costs or prepayment penalties!Borrow up to 100% of your home’s available equity.
Apply online, at your local branch,or call (800) 283-2328, ext. 6040.
REGULAR HELOC RATES AS LOW AS
after the promotional period
*APR = Annual Percentage Rate. Home Equity Line of Credit (HELOC) promotional rate of 1.99% APR is available on all new money advanced for a 6 month period of time from the date of the first advance. The HELOC permits borrowing up to 100% of the available equity in a primary residence (excludes rental properties). Minimum advance of $200 to qualify. Any principal payments will apply to promotional balance first. Regular home equity line of credit is based on Prime Rates published in the Wall Street Journal on the last business day of the month plus a margin based on loan to value and credit worthiness with a floor of 3.00%. Maximum rate of 18%. This promotional annual percentage rate will automatically terminate at the end of the promotional period. No notice to borrower required. Other restrictions or conditions may apply. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. This offer may be withdrawn at any time.
4 | AVENUES
WHAT BOB HAS TO SAY....Banks are owned by stockholders who are constantly demanding increased revenue and earnings in order that their stock prices increase.
haven’t asked us to give you a quote on your insurance needs, you may be paying more than if you moved your insurance coverage to us. (See page 11.)
We also offer a full range of loans for both consumers and businesses. For example, our Home Equity
Line of Credit (HELOC) offers very competitive rates and very competitive repayment terms. Plus, it can be tied as an overdraft option on your Members 1st Checking Account. (See page 3.)
Our Free Checking Account* is unique in that it pays interest on balances that meet the monthly average requirements and has no minimum balance requirements or monthly fee. In addition, our VISA® Debit Card pays you every time you use it as a “credit” transaction. Plus, you can have any photo (within reason) put on your Members 1st Debit Card for FREE. (See page 15.)
With Mobile Deposit – you can deposit checks into your checking account simply by taking a picture of the front and back of the check – talk about maximizing your convenience.
We offer a choice of three different VISA® Credit Cards – one offers our
At Members 1st we do not have stockholders. Our members actually own us. Therefore, our primary focus is on serving our members - and all of our products and services share that same focus. When we say “We Put Our Members First” - it is truly more than just a slogan – it is at the core of what we do every day.
That is why we are constantly revising existing products and services, plus introducing new products and services to help our members with their financial lives.
For example, we started our own insurance agency – Members 1st Insurance Services, LLC. We represent major national and local insurance companies, many of which have agreed to give our members lower insurance premiums than their regular pricing. This is known as “affinity pricing” and recognizes the close relationship and trust that our members have in us. We have a person who specializes in health insurance coverages and Medicare coverage supplements. We offer a full range of personal insurance products including homeowners, renters, car and vehicle, recreational vehicle, and liability insurance to name a few. If you
We are here to help YOU!
July/August 2016 | 5
lowest interest rate and is designed for members who carry an outstanding balance (i.e., don’t pay off the entire balance every month). Another offers Cash Back Rewards – 1% of the purchase amount on all purchases, 2% of the purchase amount for gas and grocery purchases (some restrictions apply). The third card earns points with each transaction - which can be redeemed for numerous items including airfare on major airlines.
All of our savings and deposit products feature very competitive interest rates. We recognize that we have experienced an unprecedented long period of historically low interest rates due to the economic crisis from which the country is still struggling to fully recover. While the low interest rates have been very beneficial to people and businesses needing to borrow money, they have a significant negative impact on people who are trying to save or are living off their earnings. This interest rate environment impacts Members 1st as well – the rates we can charge on our loans need to be competitive in order for members to borrow from us. The interest paid on our loans is what predominantly supports our operation, which includes paying interest on savings products. The money that is not needed to meet members’ borrowing needs is invested and the
earnings on such investments are also at historically low rates. But we try to be as competitive as possible while still remaining financially solid.
I could go on and on. But the point I want to make is that we are here to help YOU. We focus on giving you the personal service that you want. If you want to talk to a human being face-to-face, we have 59 branches with extended hours for our members who choose or need to come in to talk to us. We also have a call center – TeleBranch – that handles members’ financial needs over the telephone. Plus, we have all of the electronic products and services that you can use to maximize your convenience in handling your financial affairs.*
Remember – when we say “We Put Our Members First” – it is more than just a slogan for us.
Thank you for being a member of Members 1st. We work every day to earn and keep your faith and trust. Since you own us, our focus is on giving you financial advice that is most beneficial to you (not stockholders).
Bob Marquette, President & CEO
Remember – when we say “We Put Our Members First” –
it is more than just a slogan for us.
*Our Free Checking Account product requires eStatements/eNotices.We do business in accordance with the Federal Fair Housing Laws and Equal Credit Opportunity Act.Federally insured by NCUA.
DATES TO REMEMBERHOLIDAY CLOSINGS
Our Administrative Headquarters and all branch locations including our in-store Giant Branches will be closed on: Monday, September 5, 2016 (Labor Day)
NEW YORK CITY BUS TRIP – A DAY ON YOUR OWN
Saturday, December 17, 2016Departs Administrative Headquarters, Mechanicsburg, at 7 a.m.
Departs NYC at 7 p.m.Cost: $50.00 per person
RSVP Deadline: Thursday, November 17Register ONLINE at www.members1st.org/bus-trips
Bus trips are for members and their guests.Members may register online at www.members1st.org/bus-trips.
FREE SEMINARSSeminars are held in the David L. Foreman Community Room at our Administrative Headquarters located at 5000 Louise Drive, Mechanicsburg. Park around the rear of
the building and enter through the back door.
Directions: www.members1st.org » Locations.
Student Financial Aid SeminarThursday, September 15, 2016 • 6-8 p.m.
RSVP: (800) 283-2328, ext. 6017
Homebuyer’s SeminarWednesday, October 12, 2016 • 6-8 p.m.
RSVP: (800) 283-2328, ext. 6026
Home Construction Loan SeminarWednesday, October 19, 2016 • 6-8 p.m.
RSVP: (800) 283-2328, ext. 6026
Saturday, September 10, 2016 • 9 – 11 a.m.FREE FOR MEMBERS
6 | AVENUES
Mechanicsburg/Carlisle Area
Rossmoyne Branch5000 Louise Drive
Mechanicsburg
Lancaster AreaGreenfield Branch
1815 Hempstead Road Lancaster
Harrisburg/Hershey Area
Derry Street Banch8100 Derry Street
Harrisburg
York AreaWhiteford Road Branch2360 Whiteford Road
York
FALL DAY
Bring your personal, confidential papers for shredding (two box limit). Please do not bring non-paper materials, magazines, phone books or additional items.
When you arrive for the event, please remain in your vehicle and follow the directions of a Members 1st associate. Boxes or bags that are dropped off without an associate’s assistance will not be accepted.
rs 1s1s1s1s1s1s1s1sssssst ttttpted.
July/August 2016 | 7
BE IN THEKNOW
NEW BRANCHES ARE OPENING SOON!Watch for Grand Opening information about our new Shrewsbury, Mount Joy, and Hummelstown locations!
DO YOU HAVE MONEY WAITING FOR YOU?Did you know that Pennsylvania has a website that lists unclaimed property?Visit www.patreasury.gov and check for your name, names of family members, etc.
NEW DEBIT AND CREDIT CARD FRAUD PROTECTION FEATURE!To further protect you from debit and credit card fraud, a new feature has been added to alert you about potential suspicious activity! If we notice suspicious activity on your account, you will receive a text message and/or email asking you to confirm whether or not the purchase is valid.We will ONLY ask you to verify if you made the purchase. We will NEVER ask for account or personal information.Please call Card Services at (800) 283-2328, ext. 6035 if you have any questions about this service.
DID YOU FORGET TO TELL US SOMETHING?If you’ve recently moved, please update your information so we can be certain you don’t miss any important information from us regarding your account(s). Follow these steps: • Log into Members 1st Online. • Click on the inverted triangle next to your name – upper right corner. • Click “Contact information for my account xx.” • Please include your email address if you’d like to receive news and
important information from us. • If you have multiple accounts, please be sure to update all of
your information for each account number. • If your relationship status has changed through divorce or
death, check your accounts, credit cards and lines of credit to change the ownership and access.
8 | AVENUES
HEADING TO COLLEGE? TIPS AND TRICKS YOU SHOULD CONSIDER!Back to school time is rapidly approaching, and we are here to make sure that you and your family take the proper steps to ensure that the transition period is as easy as possible. Below is a checklist that you can use during the moving out process so your family is ready for this exciting time!
• If you are ordering anything for college, see if you can have it delivered to a store near your campus.
• Rent books from Amazon or Chegg- it’s much cheaper than buying books brand new!
• Walk or use transportation provided by the college or university to save money on gas.
• Budget your money for the week; this will limit the amount of impulse buying.
• Consider your meal plan options carefully. Be sure you understand the fee structure or you could end up paying a lot of money for a plan that offers little in return. While deciding, consider where you
will eat and how frequently you will dine at the cafeteria or food court. Some places on campus may require a meal swipe and extra funds, or as an alternative go grocery shopping and cook
for yourself. Ask what happens if you don’t use all of your meal plan money each semester- does it carry over or is it a use it or lose it kind of deal?
• Use coupons and sign up for loyalty programs! Most restaurants will mail out coupons that will help you save money when you can’t resist fast food. Grocery stores often have loyalty programs that will give you opportunities to save money at the checkout line, and potentially earn credit to use on other purchases!
• Save all the change you have, you won’t believe the amount of money it will turn into when you cash it in.
• Sell your books back at the end of the semester, you won’t get much for them but it is better than nothing!
• Buy a reusable water bottle and refill it through the day, you will save a lot of money instead of buying water bottles!
• Go to events on campus that offer free food, you could end up enjoying your time and joining a great club.
Articles by Zachary Heckert, Marketing Intern
July/August 2016 | 9
CHECK OUT OUR FINANCIAL
EDUCATION VIDEOS!Visit Members1st.tv to learn how
credit unions differ from other financial institutions, how to use
a VISA® chip card, and more!
MONEY MATTERS ON CAMPUS...WE
ARE HERE TO HELP!Your family should consider whether or not your financial institution is right for you. Members 1st offers many services to our members that could benefit you and your student during the school year. Remember, if you’re not going to school close to one of our branches, you can still use your Members 1st account. Here are some of the services we have for you to consider:
• Open up a FREE Checking Account*
• Sign up for Bill Pay, to make sure you never miss a payment during the busy school year
• Download our mobile banking app to do your banking on the go
• Get your debit card with us, and earn 5 cents** with every qualified transaction when you use your card as “credit”. (ATM and PIN transactions do not apply)
• Apply for our VISA® Credit Card; start building your credit and use for school expenses to help you keep track of them for tax purposes
• Apply for our Student Choice Line of Credit if needed
• If you are working while in school, sign up for direct deposit
• Set up cross-account transfers! For parents, you can set up transfers to your child’s account so you can easily transfer money for those sticky situations.
• Use our ATM locator to find Surcharge Free ATMs near your school. Go to members1st.org » locations for more details.
Just because you’re going off to school, doesn’t mean we can’t help you with your finances.
*Our Free Checking Account product requires eStatements/eNotices.
**A Members 1st Checking Account is required. VISA® Debit Card Swipe 5® monthly rebate is subject to certain conditions. Qualifying transactions are those that do not require the use of a Personal Identification Number or are an ATM transaction. Rebates post to your Members 1st Rewards Checking Account on the last day of every month. Ask an associate for details. Federally insured by NCUA.
10 | AVENUES
Backpacks, paper, books, pens, pencils, calculators, computers, clothes and shoes are basic necessities that can add up quickly and become significant expenses for any household. Developing and sticking to a solid spending plan is the key to avoiding overspending. If you are in charge of back-to-school shopping, here are tips to help keep your budget on track:
DEVELOP A BACK-TO-SCHOOL BUDGETTake time to develop a monthly budget if you don’t already have one in place. Review your income and regular expenses, and determine your back-to-school spending goal based on what you can afford.
TAKE AN INVENTORY OF SCHOOL NECESSITIESIf you missed Spring-cleaning, this is a good time to pull out your child’s clothing, shoes and supplies for an inventory of what’s still useable. Have the kids try on clothes and shoes to see if they still fit. Consider donating clothes that no longer fit to Goodwill or the Salvation Army. Be sure to get a receipt, since the items could be applied to your personal income taxes as charitable contributions. Another option is to sell the old clothing to a store that specializes in reselling used clothing. Use the money to buy clothes for the new season.
CREATE A COMPREHENSIVE SHOPPING LISTNow that you’ve taken inventory, create a shopping list of your child’s needs. The list should include additional clothing, school, athletic, and scout uniforms, yearbooks, eyeglasses, classroom supplies, and musical instruments. Write down your children’s sizes and special colors needed for items like uniforms. Carry your shopping list to keep you on track.
INVOLVE CHILDREN IN DECISION-MAKINGTell children what the spending goal is and how they can help meet the goal by choosing perhaps two outfits, instead of three. Help them understand how recycling clothes, lunch boxes, book bags, and notebook binders is not only good for the environment, but also good for the household budget.
SHOP FOR THE BEST PRICESGet the best value for your dollar by checking for coupons and sales. Listen for TV and radio commercials and check your local Sunday newspaper for back-to-school and clearance sales.
CHECK FOR SALES TAX HOLIDAYSCheck with your local government officials to see if a tax-free back-to-school shopping holiday is authorized in your area. A number of states have designated days that coincide with back-to-school shopping. The holiday offers local residents a chance to purchase clothing and school supplies tax-free! Some sales tax holidays even include computers. It can be an immediate savings for your back-to-school budget.
LIMIT EXPENSIVE BRANDSYou can save money on clothes and selected school supplies by purchasing generic or lesser-known brands. Always be sure the lesser-known brands are durable and quality products.
USE CREDIT WISELYPay with cash if possible. Try layaway if you need time to save up for purchases. If you have to use credit, use your Members 1st VISA® Platinum Cash Back Credit Card to earn cash toward your purchases. Plus, limit purchases to items you can pay off in 90 days. If you have more than one credit card, use the card with the lowest interest rate to minimize the amount you’ll have to pay back. Remember, using a credit card is like taking out a short-term loan.
Information courtesy of GreenPath Financial Wellness
BACK-TO-SCHOOL SAVINGS FOR YOUR HOUSEHOLD BUDGETStudents aren’t the only ones who’ll need to pull out the pens, paper, and calculators for the back-to-school season. Parents who want to keep back-to-school spending under control should consider doing the same.
July/August 2016 | 11
Q: Does my homeowner’s policy (HO Policy) cover my child’s property if he/she lives in a dorm?A: Most HO Policies cover personal belongings up to a certain percentage (usually 10%) of the personal property limit stated in your HO Policy. Because of this limitation, and the possibility your student may bring high priced electronics and valuables to school, it’s important to check the coverage limits of your policy. If you think you aren’t adequately covered, consider increasing your policy limit, or purchasing a renter’s policy to ensure no coverage gaps exist.
Q: Do these coverages and limitations apply if my children live in off-campus housing?A: Most HO Policies will NOT cover personal belongings for students living in off-campus housing. Nor will the landlord’s insurance. In this case, you are encouraged to purchase renter’s insurance. Whether your children reside in a dorm or off-campus housing, compiling a list of possessions, to include purchase prices, model numbers, etc., will assist when filing a claim, with deciding how much renter’s insurance will be needed, or how much to increase your HO Policy limits. (Taking pictures or videos is also encouraged. A free, helpful app is “Encircle” Home Inventory.)
Q: Are there auto insurance issues I should discuss with my agent?A: Inform your agent if your children go away to college. If they don’t take a car, you may be entitled to a premium discount, but still be able to retain coverage should they come home for a holiday, or borrow a car while away at school. If they do take a car, premiums may increase or decrease, depending on the location of the school. In addition, maintaining a certain GPA may entitle you to a “good student discount”, whether they bring a car to school or not.
Q: Are there health insurance issues to consider?A: Children attending college who are younger than 26 may maintain coverage on your insurance, as long as they’re not offered coverage through their own employer. If your child attends college in another
state, your plan’s network of hospitals and preferred doctors may not extend there. However, your student will likely have coverage for emergency care, but need to travel to a preferred doctor or hospital for routine care. Check your plan’s provisions, or contact your provider to find out what benefits are available.
Q: What if my children don’t have insurance or it’s limited by network service issues?A: Consider purchasing a “student health care plan”. Such plans are sold by insurers who have contracted with the college. Contact your child’s college for more detailed information. Another alternative would be to purchase an individual health insurance policy through your agent.
Q: Are there other issues to consider?A: Two other types of insurance to discuss with your agent are Life Insurance and Identity Theft Insurance.
Q: How do I know what I should do?A: Making such a decision about your options is yours – and yours alone under the law. Our Insurance Services department’s job is to help provide you with valuable information, so you can make informed decisions.
To discuss your insurance options, call us at
(800) 283-2328, ext. 5218 or 5245.For an instant quote, visit members1st.org »
Products & Service » Insurance Services or ask at a branch for our Insurance Services brochure.
*Personal insurance services available to PA residents only.
BASIC INSURANCE ISSUES FOR STUDENTS ATTENDING COLLEGELeaving home for college can be an exciting experience. In the excitement, parents may overlook the fact that college students encounter insurance issues which haven’t been considered. Before there’s an auto accident, a fire in, or theft from a dorm or off-campus apartment, or an unexpected trip to the “ER”, it’s important to review the insurance needs of you and your child to make sure you have the necessary coverages. Some key things to consider are:
12 | AVENUES
MOVE YOUR MONEY AROUND WITH EASE!Transferring money and making payments has never been easier. Check out our current options below.
Cross-Account Transfers - Easily transfer between Members 1st Accounts.
This could be to one of your current accounts or to another account, such as a child’s. Both parties’ accounts must be accessible via Members 1st Online.
You can also transfer your funds to make your loan payments.These transfers are done by simply going to Members 1st Online, selecting the Transfer button, and then telling us where you want the money to go.
EZ Transfer – Transfer to and from another financial institution
Have a secondary account or loan at another financial institution?
You are easily able to set up an EZ Transfer Account via Members 1st Online. Be sure to obtain the other institution’s routing number and account number.
You may transfer from our Free Checking Account, Savings or even a Line of Credit.
Transfers can take 2-3 business days to complete.
For more information about Transfers, visit members1st.org, ask at
July/August 2016 | 13
Wire Transfers – Send and receive wire transfers.
Nominal fees apply for this service.
You may receive a wire transfer at Members 1st by giving the sender specific information about your account. For a list of what is needed, please visit members1st.org >> products & services >> electronic-mobile-services >> wire-transfers.
If you need to send a wire transfer to another financial institution, contact the receiving financial institution for their specific instructions.
Automatic Transfer/Payroll Deduction – Allot a specific amount to go to different accounts.
You may set up various allotments to go to your accounts, sub-accounts, your significant other’s account, children’s accounts, or to your loans at our credit union.
Print and complete a Payroll/Automatic Transfer Distribution Form, which can be found at members1st.org. Or set up your recurring auto transfers via Members 1st online.You may change your distributions at any time.
any branch or call TeleBranch (customer service) at (800) 237-7288.
14 | AVENUES
TRAVELING INTERNATIONALLY THIS SUMMER?
You will no longer be chargedan International Transaction Fee!
In the past, when you used your VISA® Credit Card internationally, you were charge a 1% International Transaction Fee.
We have decided to discontinue this fee on all Members 1st cards – debit, credit & business cards.
HAPPY TRAVELING!
Transfer those high-interest credit card balances to your new or current Members 1st VISA®!
VISA® BALANCE TRANSFER
1.90% APR*• No balance transfer fees
• Easy on your budget• Offer available on balance transfers received through December 31, 2016
Log into Members 1st Online » Card Services » VISA® Balance Transfer, visit a branch or call (800) 283-2328, ext. 6040.
You’ll be glad you made the switch!*The 1.90% Annual Percentage Rate (APR) on Balance Transfers using the specific form or online submission is a “Discounted” rate that will be in effect from the time of the posting of the balance transfer to your card account for six consecutive billing cycles afterwards, which will be considered the promotional period expiration date of that specific balance transfer. After the expiration of your “Discounted” rate the remaining unpaid portion of the original balance transfer request will be subject to your normal APR as outlined on your monthly statement based on the specific Members 1st FCU credit card selected. Current rates range from 8.50% APR to 18% APR. Consumer Cards (Business Cards are ineligible) may have up to 10 individual balance transfers open at any given time period. If you default through becoming 60 days or more delinquent we may increase your APR on the balance transfer and other balance amounts as defined within the cardholder agreement and disclosure, which is provided upon card issuance and available online at www.members1st.org. All payments received on your account in excess of your minimum payment requirement will be applied first to the highest rate balances, secondly to the lowest rate balances and finally to new purchases. All rates are effective as of April 1, 2016 and this offer may be withdrawn at any time. Other restrictions or conditions may apply. You may not pay off your current Members 1st loans or lines of credit by using this balance transfer option. For current rates, fees and other cost information, please reference the Visa® Balance Transfer disclosure or contact the Members 1st FCU Card Services Group at (800) 283-2328, ext. 6035.
July/August 2016 | 15
Now it’s personal.
Design a card that best reflects you.
Designing your own debit card is a fun way to show off your photography skills. If you decide to design your own card, you can choose to put your own photo on your card as an added security feature or you may opt to put your favorite photo on the entire front of the card.
Your first personalized debit card is free. If you decide you want to change your picture later, you can change it whenever you want, as often as you want. Each
additional image change that is made prior to your card’s expiration date is only $5.
To upload your photo, login to Members 1st online or use this link: https://myonline.members1st.org/PersonalizedCard. Follow the instructions to upload your photo.
Your image will be reviewed for compliance in accordance with the Terms and Conditions and our Image Guidelines. Once it’s approved, you will receive your card in the mail with 7 to 10 business days.
The holiday season will be here before you know it.Start your Holiday Club now!
Plan now and take the stress out of worrying about how to pay for gifts and other holiday needs. • No minimum deposit or balance is required • Your account may be opened at any time • There’s no set deposit schedule • Funds transfer automatically to your regular savings account on October 1
Visit a branch, call (800) 237-7288 or open your account through Members 1st Online.
*There is an early withdrawal fee of $10 per occurrence.Federally insured by NCUA.
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