Simply Better

GRAND RAPIDS • BIG RAPIDS • REED CITY • CADILLAC • MANISTEE

OCTOBER 2019

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Facebook.com/WestMichiganCU

We celebrated YOU every Friday in August at our Member Appreciation Days. Thanks for stopping by and letting us give back to you!

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West Michigan Credit Union

Holiday ClosingsWest Michigan Credit Union officeswill be CLOSED the following dates:

• Monday, October 14th

• Thursday, November 28th• Friday, November 29th

• Tuesday, December 24th• Wednesday, December 25th

• Close at Noon: Tuesday, December 31st• Wednesday, January 1st

Access your accounts through: • It’s Me 247 Online Banking • Debit Card • Shared Branch • Mobile App with Remote Deposit

Thank You For Your Loyal Membership!

We asked you to enter on our Facebook page for a chance to win $100! Winner, Cindy Hoch, said she will be spending her winnings on a vacation. If you missed out on our contest, make sure to like us on Facebook to be notified for the next one.

What Would You Do With An Extra $100?

Join us Thursday, October 17th for

International CreditUnion Day!

1.800.442.4576 • WestMichiganCU.com

Kathleen VonBroock is our recipient for the Ferris State University Scholarship for the 2019-2020 academic year. The scholarship is given out in memory of two founding members of WMCU, Jack and Kay Appel.

Congratulations, Kathleen!

December Skip-A-Pay

Fee ScheduleEffective January 1, 2020

Service Fee

› Account History Print-Out $2.00

Account Research $20/hour

Bill Pay Transaction Overage Fee (Over 20) $0.50 each

Card Replacement (Credit, Debit, Travel card) $5.00

Check Cashing/ Negotiation $3.00

Check Cashing/ Negotiation –Non-Members

$5.00

› Check Copy $3.00

› Credit Union Corporate Check

$3.00(1 free per month)

› CU Advance – Per Occurrence $30.00

Dormant Account Monthly Fee –Accounts Inactive For 12 Months

$10.00/ month

Ecm Payment: One-Time Payment $3.95/ payment

Escheat Fee –Per Occurrence

$10.00/ Occurrence

Garnishment/Levy $25.00

› Gift Card by VISA $3.00

Membership Fee - At Time of Account Opening

$5.00

› Money Order – Per Money Order

$1.50 each(4 free per month)

› Non-Sufficient Funds Fee- Per Occurrence $30.00*

Regulation D Violation – Per Occurrence $5.00

› Returned Deposit Item $20.00

Returned Mail $5.00

Simple Checking(Waived with eStatements) $2.00

Simply Better Checking $4.00

Statement Copy - Previous 12 Months $1.00

Statement Copy -Older Than 12 Months $2.00

› Stop Payment $30.00

Travel Money Card by VISA $5.00

Travel Money Card Reload $3.00

› Wire Transfers - Domestic Outgoing $15.00

Wire Transfers - International Outgoing $35.00

Have a lot of things on your list to check off twice? Free up some extra cash by skipping your December payment.

Fill out the form below and send it to us: Mail: 1319 Front NW Grand Rapids, MI 49504 Fax: 616-451-8850 Email: CUinfo@WestMichiganCU.com

q YES, I would like to skip my December 2019 payment!

Name:_____________________________________________ Phone: _____________________________

Account Number:_________________________________ Loan Suffix: ____________________________ (may be more than one)

Co-borrower: ___________________________________________________________________________

q Enclosed is a check for $25 per loan skippedq Please transfer $25 per loan skipped from my: q Checking q Savings

I understand that skipping my December payment will extend my loan(s) one month past maturity. By doing so, I will not affect my payment record since the skipped payment will be added to the end of my loan. Interest will continue to accrue on my loan during the month the payment is skipped. $25 payment per skipped loan is specified above. I understand my next payment will be due January 2020.

Borrower Signature: ______________________________________________________________________

Co-borrower Signature: ___________________________________________________________________

Skip-A-Pay

*Requirements/Deadlines: All loans must be in good current standing and have been properly paid for at least six months prior to request. This form must be received prior to your December 2019 due date. Home Equity, Mortgage, VISA, Savings Secured. Overdraft Loans and Revolving Lines-of-Credit are not eligible. If processing fee is not paid, this offer is void. All persons signed on the original loan must sign Skip-A-Payment form. All other terms and conditions of the loan obligation with us remain in effect and unchanged by the acceptance of this offer.

We’re accepting applications for 1 board position on the 2020 Board of Directors. If you are interested, please send a letter of intent and resume of qualifications to the Nominating Committee by December 15, 2019.

Send all submissions to: West Michigan Credit Union Attn: William Keim 1720 Michigan St NE Grand Rapids, MI 49503

2020 Board of Directors

*Fee applies when overdraft is created by check, in personwithdrawal, ATM withdrawal, or other electronic means.

› Can be waived or refunded with Member Rewards points.

Fees are subject to change. Ask any Credit Union employeefor details.

NOTE: There will be no nominations from the floor the day of the event. Voting will be held in the first quarter of 2020, with our Annual Meeting scheduled for Tuesday, March 17, 2020.