Convenient Services

Visa • Direct Deposit • AudioEdge • ATM • Member Contact Center • Mail • Wire Transfer • Notary • Money Orders • Debit Cards • VISA Gift Cards • ATM Cards

   VISA Credit Cards    
Traveling?  Shopping?  Leaving for College?
Don't forget your 

FinancialEdge Community Credit Union VISA^© Card  

FinancialEdge CCU offers two of VISA´s^© most popular credit cards, the VISA^© CLASSIC and PLATINUM!  Below are a list of card benefits**:

VISA Classic	VISA Platinum
Rates as-low-as 10.90% APR*	Rates as-low-as 8.90% APR*
No Annual Fee	No Annual Fee
Credit Limits up to $15,000	Credit Limits from $5,000 - $15,000
25 Day Grace Period	25 Day Grace Period
Universal Acceptance	Universal Acceptance
Travel Accident Insurance	Travel Accident Insurance
Online Account Access  (Through ezcardinfo.com)	Online Account Access  (Through ezcardinfo.com)
VERIFIED BY VISA - Online purchase security	VERIFIED BY VISA - Online purchase security
ATM Access Worldwide	ATM Access Worldwide
	Auto Rental Insurance
	Warranty Manager Service
	Travel & Emergency Services

* Click here for VISA^© credit disclosures. Rate as of 01-01-2010.
**Certain restrictions, limitations, and exclusions apply.  Please call FinancialEdge CCU directly to verify the specific benefits included with your VISA^© card.

Click here to apply for your VISA^© Today!

Your Credit Card Infomation Online

https://www.ezcardinfo.com/

For more information or to apply by telephone, you may reach our Loan Department at 989-892-6088 or 800-610-2764 and press 4, or stop by our branch locations.

FinancialEdge CCU is pleased to offer its membership Direct Deposit.  Direct Deposit eliminates the hassles of cashing your payroll check on pay day and is safer than having a check in hand that can be lost or stolen.  SAVE TIME!  Sign-up for Direct Deposit today.

You will need:

• The FinancialEdge CCU Routing and Transit (ABA) Number — 272476844
• Your FinancialEdge CCU primary account # (Example 123456)
• Indicate through your payroll provider (form) where you want your electronic deposit placed (i.e. savings or checking)
• DO NOT add account suffixes to the base account number

To sign-up for Direct Deposit, please contact your employer to see if they offer this service.

Direct Deposits are received electronically on non-holiday weekdays.

Distribution Option:

After your Direct Deposit has taken effect, you will become eligible for an optional FREE distribution service.  This service distributes the Directly Deposited funds into other share accounts or as loan payments, as directed by you.  No longer will you need to worry about transferring funds to other accounts or make loan payments on pay day.  Let FinancialEdge CCU do the work for you!

For more information, you may reach our Member Contact Center at 989-892-6088 or 800-610-2764 and press 5 for more details.

 
FinancialEdge backs direct deposit of
Social Security payments with Go Direct

FinancialEdge Community Credit Union is pleased to announce our partnership with Go Direct, a national campaign sponsored by the U.S. Department of the Treasury and the Federal Reserve Banks, to encourage people who get Social Security and other federal benefit payments by check to switch to direct deposit.

Direct deposit is simply the best way to receive Social Security and Supplemental Security Income (SSI) payments. Direct deposit eliminates the risk of lost or stolen checks, reduces fraud, helps protect against identity theft and gives people more control over their money. Plus, direct deposit provides people with immediate access to their money from virtually everywhere.

Direct deposit also saves taxpayers millions of dollars. If every current federal benefit check recipient switched to direct deposit, it would save taxpayers about $120 million a year. Almost all the money saved remains in the Social Security Trust Fund – a benefit to all Americans for years to come.

Need help? Stop by our Member Contact Center at either branch location or call 989-892-6088 or 800-610-2764 and press 5 for more details.

   AudioEdge (account access by phone)    

AudioEdge is a FREE Credit Union service that allows you to conveniently complete a variety of transactions from any touch-tone phone. You´ll love the freedom to conduct your financial business anytime from anywhere!
Account Access 24 Hours a Day - 7 Days a Week : (989) 892-6088 or (800) 610-2764 & Press 3

• Easy  At no additional charge, you can have unlimited access to your accounts 24 hours a day, 7 days a week through any touch-tone phone.
• Confidential AudioEdge operates with a personal identification number (PIN).
• Menu options include: Balance Inquiries, History Inquiries, Transfer, Checking Information, and Loan Information Line-of-credit advances and more!

Here´s how to sign up for access:
Contact our Member Contact Center at (989) 892-6088 or (800) 610-2764 and press 5, or stop in to either branch location.

   ATM Access    

With a FinancialEdge CCU  ATM or Debit Card, you´ll have access to your accounts 24 hours a day, 7 days a week, at ATM locations in the greater Bay City area, across Michigan, and worldwide.  

What ATM locations are available for use?

You may use any ATM where you see the following symbols:

      FinancialEdge CCU has partnered with the CO-OP Network to provide Surcharge Free ATMs . (Refer to our Fee Schedule for a current list of fees.)
   
     (Click on the logo)

    NYCE ATM´s available in Michigan and across the U.S.  (Surcharge Fees may apply)

(Click on the logo)

   ATMs available in the international Plus ATM network  (Surcharge Fees may apply)

(Click on the logo)

Debit Card - Stop in and walk out with your new VISA Debit Card in the same visit! No need to wait!

FinancialEdge CCU checking accounts offer VISA Debit Cards.  Debit Cards acts as a check and withdraws funds directly from your FinancialEdge checking account.  Here´s how it works:

• Present your VISA Debit card to any merchant displaying the VISA® logo, sign a receipt, and the purchase amount is deducted from your checking account.  Entering your PIN # is not necessary.  When asked "Credit or Debit?", simply say "Credit"!
• All Debit Card transactions appear on your monthly statement including the date and location where the transaction took place
• Eliminate waiting for check approvals
• Accesses your checking account faster than writing a check
• It´s a single card with a double purpose; it works as a personal check and an ATM card combined

To obtain a VISA Debit Card or for more details, please call our Member Contact Center at (989) 892-6088 or (800) 610-2764 and press 5, or stop by one of our branch locations.

VISA Gift cards- The perfect gift for any occasion!

FinancialEdge CCU is pleased to offer members VISA Gift cards*.  They're great for weddings, anniversaries, birthdays, graduation or use them for travel in lieu of travelers' checks:

Present your VISA Gift card to any merchant displaying the VISA® logo, sign a receipt, and the purchase amount is deducted from the gift card balance.  No PIN needed. 

• Can be used in stores, restaurants, online and more - anywhere you see the VISA logo. 
• You choose the amount; between $10 and $1000. 
• Available at both FinancialEdge locations in a variety of styles
• Just $2.95 each
• Looking for bulk orders of 25 or more cards at once? We offer discount pricing. Call 989-892-6088 for details.

To obtain a VISA Gift card or for more details, please visit the credit union or call our Member Contact Center at (989) 892-6088 or (800) 610-2764 and press 5.

* This card is issued by MetaBank pursuant to a license from Visa U.S.A. Inc.

   Member Contact Center     

The Member Contact Center can currently complete the following transactions and services over the telephone:

• Account Information
• Account Transfers
• Balances Inquiries
• Activate AudioEdge (account access by phone) *
• Wire Transfers *
• Revolving Line / Home Equity Line Advances
• Setup Transfers / Payroll / ACH *
• Loan Payments
• Reorder Checks or Loan Coupon Books
• Check Copies
• CD Maintenance
• Stop Payments *
• Issue ATM / VISA Debit Cards *
• Set up account access for ElectronicEdge (online account access) *
• Direct Deposit Information
• Verification of Deposit
• Assist with General Loan Questions

* These services may require a signature in order to complete the transaction. Contact the Member Service Department at 989-892-6088 or 800-610-2764 and press 5 for additional information.

Mail / After Business Hours Transactions

FinancialEdge CCU will process transactions received by mail or night box dropoff on the next business morning.  FinancialEdge CCU can not be liable for lost or stolen transactions.  Please allow 5 - 10 business days for a transaction to reach FinancialEdge CCU by mail.

You may mail your transaction to:

• Debit Cards
• ATM Cards which can be used at the following ATM Access locations surcharge free.
• AudioEdge (account access by phone)
• ElectronicEdge (account access online)

Wire Transfers

Incoming Wires:

To wire funds to FinancialEdge CCU, you will need the following information:

For credit to:
FECCU, Account Number 272476844

For further credit to:
(Member’s Name), their account number with the suffix of -01 for savings and -70 for checking

Outgoing Wires:

To wire funds from FinancialEdge CCU, members are responsible for obtaining wire transfer instructions from the receiving financial institution.  You may then call our Member Contact Center at 989-892-6088 or 800-610-2764 or stop by either branch location.

A signed fax with transfer instructions will be required for requests by phone.
  
There is a small fee to place each order, please refer to our Fee Schedule for more details.

Notary Public

FinancialEdge CCU is pleased to offer several notaries on staff and at each of our branch locations.  To better assist you in this FREE service, please have the following information available upon your arrival:

1.  A valid Driver’s License or picture ID, which MUST contain your signature.
2.  The documents to be notarized.

Please note:  DO NOT sign the documents before you arrive.

You may reach our Member Contact Center at 989-892-6088 or 800-610-2764 and press 5 for more details.

Money Orders

Money Orders are available by stopping into the lobby of either FinancialEdge CCU branch location.  Money Orders are cash equivalent and can be used when a personal check is not sufficient.  Such instances may be real estate closings, automobile purchases, apartment deposits, mail order, etc.  

The maximum amount is $1,000 per order and a small fee may apply.  (Refer to our Fee Schedule for a current list of fees.)