Introducing Basic Checking

Transcription

1 Volume 17, Issue 3 Fall 2012 Introducing Basic Checking At Seven Seventeen Credit Union, we are committed to providing our members with the best products and services available. We are pleased to introduce our newest account, Basic Checking. We have designed our newest checking account, which features a reduced overdraft fee among its benefits, to meet the unique needs of our members. Please take a few moments to learn more about this exciting new checking account from Seven Seventeen. Key Features of Basic Checking: No minimum balance required Opening Deposit only $25 Unlimited Check Writing No Per Check Charge VISA Debit Card access 1 Monthly account service charge as low as $4.00 (regularly $7.00) 2 $1.50 discount off monthly fee if enrolled in estatements $1.50 discount off monthly fee for a single direct deposit of $200 or more per month Reduced Overdraft Privilege Fee of $19.50 per occurrence when compared to our other checking accounts 3 4-day grace period on the Basic Checking Negative Account Day Fee of $0.99/day 4 Overdraft Protection (transfer from another Seven Seventeen account such as savings, line of credit, or VISA) is available FREE unlimited ATM transactions at Seven Seventeenowned ATMs FREE CALL24 (Telephone Banking) FREE Online Banking, Mobile Banking, and Bill Pay 5 This account does not earn dividends Continued on page 8. Great checking account options to meet your individual needs No one-size-fits-all checking account will meet every individual s financial needs. In addition to our new Basic Checking account, Seven Seventeen offers these distinct checking accounts to fit your personal lifestyle. FREE Checking No minimum balance, no monthly account service charge, no per check charge. WOW Checking* Earn nationwide ATM refunds and earn a higher rate on your account when you use your debit card and some of our free electronic services such as estatements and online banking. Benefits Plus Checking** Great checking, plus value-added benefits such as Free Identity Theft Protection, discounts on travel, dining and entertainment discounts, cash-back rewards on online purchases, and much more for a low monthly fee of just $5 ($4 for members age 50 and over). *The highest dividend, 1.50% APY (Annual Percentage Yield) as of 11/1/12, will be paid on balances up to $25,000 when all account requirements have been met. Account will pay.05% APY on balances greater than $25,000 and on the entire balance if all WOW Checking! requirements are not met. Dividends are compounded and credited monthly. The dividend rate is variable and subject to change without notice. Receive up to $25 in total ATM fee reimbursements each month on your WOW Checking!, including fees from other financial institutions, when all account requirements are met, and when individual ATM fees are not over $4.99 per transaction. ATM fees are credited at the end of the month. To qualify you must have a minimum single $200 direct deposit into your WOW Checking! each month, have a valid address, receive estatements, perform at least one online banking transaction, and make 15 Debit Card point-of-sale, credit or debit, transactions, which must be transmitted by the merchant and posted by close of business on the last business day of each month. Your account is insured up to $250,000. Must credit qualify. **Some of these benefits need to be purchased separately, but at significantly discounted prices to be utilized. Benefits Plus valueadded benefits can be added to the WOW! Checking account or Basic Checking account for $5 per month ($4 for members age 50 and older), and are also available without a checking account for $9.95 a month.

2 2. Owners Connection Fall 2012 Seven Seventeen President & CEO Gary Soukenik Board of Directors Jack Wilster... Chairman Raymond Corky Manofsky.. Vice Chairman Joe Noark... Second Vice Chairman Cheryl DiGiacobbe... Secretary/Treasurer William Skeliski.. Assistant Secretary/Treasurer Michael Robinson... Director Supervisory Audit Committee Don Woodard... Chairman Mark Callion Arlene Mathes James A. Pugh Gary Wilms Main Phone Numbers , , , , , or Fax us at After hours, to report lost or stolen cards... VISA Credit Cards Debit Cards ATM Card... Any main phone number The direct number for: Special Rate Hotline* Collection Department Home Mortgage Loans Office Hours* *A 24-hour service. Visit our Web Site at us at Like us on Facebook at Follow us on Twitter at Happy Holidays from all of us at Seven Seventeen! This credit union is federally insured by the National Credit Union Administration. Always on the go, or do you prefer the comfort of home? Either way, access your accounts 24/7 with Seven Seventeen s Online and Mobile Banking. Receive up to $125 with a new Checking Account! * Plus, we re giving away $717 to an Online or Mobile Banking user each week! ** Visit, call, or go to for details on Seven Seventeen checking accounts. Then, open your account in branch or online at If opening your account online, please use Coupon Code: Chkg1212. *Free and dividend-bearing checking accounts are available. Non-members of Seven Seventeen must join the Credit Union to receive this offer. A $5.00 minimum opening deposit is required into your new savings account, which establishes membership. While not common to this offer, membership eligibility restrictions may apply. Please call for full details. Qualifications: This offer is valid on new primary Seven Seventeen checking accounts only (excluding business checking accounts). You must sign up for estatements (online statements) OR currently have estatements on your primary member account. Required: You must be 18 years of age and qualify to open a checking account. Opening deposit of $25.00 and, for new checking accounts other than the edge SM, a single direct deposit of at least $ per month from payroll, Social Security, or pension into your new checking account is required to receive bonus. (The direct deposit requirement is waived for members of the edge SM program, which is designed for members years of age, when they open a new primary checking account). Important: A $ cash bonus will be paid into your primary savings account after your new checking account has been opened for 90 days and payroll, Social Security, or pension direct deposit is verified (if applicable). Offer is not valid for members who have closed a primary Seven Seventeen checking account in the past six months. A $5.00 cash bonus will be deposited to your primary savings account within 10 days after you sign up for estatements; when signing up for estatements, your estatements address and your NetWorth24 online banking address must be the same (if applicable). A $10.00 cash bonus will be deposited to your primary checking account within six to eight weeks if you sign up for NetWorth24 Online Banking and Bill Pay and pay at least five bills online between November 1, and November 30, 2012, or a $10.00 cash bonus will be deposited to your primary savings account within six to eight weeks if you sign up for NetWorth24 Online Banking and Bill Pay and pay at least five bills online between December 1, and December 29, You must have NetWorth24 Online Banking to access Mobile Banking. Bill Pay is free if three or more bills are paid each month. In the event less than three bills are paid during a month, a fee may be charged for that month. These fees may be reduced or waived based on your STAR Member Rewards level. Ask for details. Cash bonuses are considered interest so you may receive a Form 1099-INT from us for tax purposes. This is a onetime offer, is non-transferrable and is not valid with any other promotion. Offers expire December 29, Please call for details. **$717 Online Banking drawing information: Seven Seventeen will randomly select one member per week who actively uses NetWorth24 Online Banking (defined as at least one transaction made on your account) during the promotional period of November 4, to December 29, Weekly drawings will be held on Wednesdays for active online or mobile banking users identified from the previous week. Drawing dates are November 14, 21, 28, & December 5, 12, 19, 26, 2012 and January 2, Seven Seventeen employees, volunteers, and their immediate families are not eligible to win. Winners will have $ deposited to their primary savings account which is considered interest; each winner will receive a Form 1099-INT from us for tax purposes. Odds of winning are based on the number of qualifying active online and mobile banking users each week between November 4, and December 29, Alternate form of entry is available and must be received by the close of business each Friday during the promotional period Mail a 3 x 5 postcard to: Marketing Department $717 Online Banking Incentive, Seven Seventeen Credit Union, 3181 Larchmont Ave., NE, Warren, OH Please include your name, mailing address, phone number, and best time to be contacted. Please call for details. Upcoming Holidays All Seven Seventeen offices will be closed the following days: Thursday, November 22, 2012 Thanksgiving Day Monday, December 24, 2012 Christmas Eve Tuesday, December 25, 2012 Christmas Day Tuesday, January 1, 2013 New Year s Day Monday, January 21, 2013 Martin Luther King, Jr. Day Visit for a complete list of holiday closed dates.

3 A publication of Seven Seventeen Credit Union 3. Introducing Seven Seventeen s new Mobile App! The latest enhancement to our mobile banking experience is here! We are excited to provide the FREE 1 Seven Seventeen Mobile App as a new way to access your accounts and credit union information wherever you are, 24/7. The App combines the benefits of into an easy-to-use tool that s simple to read and navigate through. It gives you fast and free access to account information and uses your phone s built-in functions to provide a better banking experience. With our Mobile App, you can: Get quick access to NetWorth24* Online Banking to check balances, transfer funds and pay bills; Utilize GPS to get one-touch access and directions to branch locations and our surcharge-free ATMs; Look up current loan and deposit rates, find upcoming events, watch video content; And much more in just a few taps! Our Mobile App is free to download and use you ll need a web-enabled Apple or Android TM device or a Kindle Fire 2. You can download the app on smartphone devices and tablets, including: Smartphones: iphone and Android TM Tablets: ipad, Android TM, and the Kindle Fire Need help downloading our new Mobile App for your device? Visit For more information on mobile banking including text banking, our mobile website and the new mobile app, visit Just look at all of the ways you can connect with Seven Seventeen! Mobile App Online Loan Application NetWorth24 Online Banking and Bill Pay* Mobile Loan App Text Banking elerts Mobile Banking* Text Alerts Mobile Website CALL24 Telephone Banking Facebook estatements (online statements) Twitter Online Account Opening YouTube *You must have NetWorth24 to access Mobile Banking. Bill Pay is free if three or more bills are paid each month. In the event that less than three bills are paid during a month, a fee may be charged for that month. These fees may be reduced or waived based on your STAR Member Rewards level. Ask for details. 1-Seven Seventeen s Mobile App is free. Your mobile carrier s messaging and data rates may apply. 2-We support Apple devices running ios 4.3 and greater. iphone and ipad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. We support Android devices running 2.3 or greater. Android TM is a trademark of Google, Inc. Amazon and Kindle Fire are trademarks of Amazon.com, Inc. or its affiliates, registered in the U.S. and other countries.

4 4. Owners Connection Fall 2012 Simply Rewarding to replace STAR Member Rewards For the past year, Seven Seventeen has been encouraging members to simplify their financial lives by providing online financial tools and educational resources, and to save by refinancing loans from other financial institutions or consolidating debt through the Simplify & Save program. During the same period of time, a team of credit union employees has been reviewing Seven Seventeen s products, services, and programs to make sure your credit union is simplifying and saving too, in the best interest of all its members. Introducing It was more than ten years ago when Seven Seventeen launched the STAR Member Rewards program designed to reward members for their participation in the financial cooperative that is their credit union. In listening to member comments that our STAR Member Rewards program had grown to become too complicated, we took our own advice to simplify. The STAR Member Rewards program will be replaced on January 1, 2013, with the Simply Rewarding Member Rewards Program. The simplified member rewards program takes the STAR Member Rewards program benefits that members indicated were most valuable and places them into a much simpler program that will be simply rewarding. a new way to As with the STAR Member Rewards program, the Simply Rewarding program will be based on combined household deposit and loan balances. Rewards will focus on saving members money on loans, increasing rates on certificates, and reducing overdraft transfer fees. Reward levels start at $10,000 in total household combined loan and deposit balances. The Simply Rewarding Member Rewards Program Effective Primary Preferred Premium January 1, 2013 Rewards level Rewards level Rewards level Household t Balances $10, $24, $25, $39, $40, or more Rate Discount on.10%.15%.25% Selected Loans* Rate Increase on.05%.10%.20% Certificates** Overdraft Transfer Fee F $6.00 $4.00 FREE IMPORTANT: Eligible members will be notified of their Simply Rewarding Member Rewards level on their December 31, 2012 statement.

5 A publication of Seven Seventeen Credit Union 5. Simply Rewarding Program Bonuses: Any household with a mortgage loan that is sold to a third party will automatically have members of their household remain at the Premium Rewards level for a period of seven years. Any relationship with Seven Seventeen Investment & Trust Services gives all household members a one reward level bump. Example: A Household with less than $10,000 in combined Seven Seventeen deposit and loan balances, that has a Seven Seventeen Investment & Trust Services relationship, will be placed at the Primary Rewards Level. Highlights of changes: The simplification and transition to the Simply Rewarding program will provide reductions of some fees. A copy of the Service Charge Schedule, effective January 1, 2013, was mailed with your September 2012 statement or can be viewed at The $2.00 monthly service fee, under the STAR Member Rewards program, for households with less than $5,000 in total balances is being eliminated. The $3.00 fee for Electronic Funds Transfer (ACH) Origination is being eliminated. The current fee on Stop Payments is being reduced by $5.00. The Corporate Check re-issue fee is being cut in half to $ The only fee that will be increasing is the fee for Corporate Checks over $500, which will be $5.00. However, the average fee charged by local banks for the same service is more than $7.00. A $3.00 monthly service fee for members of households with less than $1,000 in total combined deposits and loans will remain, but can be waived. Read below for more information. Ways to avoid the $3.00 monthly service fee: The monthly service fee is waived if your household balances are $1,000 or more in combined deposits and loans. The monthly service fee is waived if at least one checking account in your household is active. An active checking account is defined as 10 or more transactions per month. The monthly service fee is waived for six months for new members to allow time to grow relationships and to transfer accounts from other financial institutions. The monthly service fee is waived if you have an insurance or investment relationship with Seven Seventeen Investment & Trust Services. Monthly service fee is waived for all members under age 26. Monthly service fee is waived for one year if a member is active military with proper documentation. Members may submit an application to avoid the monthly service fee, if you meet certain requirements: Household income is $30,000 or less, members must have direct deposit, and have or sign-up for estatements. Over the next several months, please watch for more information about the new Simply Rewarding Member Rewards Program. We invite you to regularly visit our website, at and follow us on Facebook and Twitter for the latest news and updates. t Households consist of all Seven Seventeen members residing at the same mailing address. *No loan rate discounts are available for new member indirect loans; current members can receive loan rate discounts on indirect loans. Call for details. **No certificate rate increases are available on certificate terms of less than 12 months. No certificate rate increases on certificates for the first 30 days of membership. F Transfer from Savings, VISA credit card, or line of credit in the event you overdraw your checking account and have requested this service. Standard Overdraft Transfer Fee is $8.00, effective January 1, 2013.

6 Call or visit today to learn how you can guarantee your Advisor November 2012 Volume 3 Number 3 Retirement Insurance Investments Wealth Management Yes, there are guarantees in life. Income that lasts a lifetime. Receive a 7.02 % payout rate in guaranteed income every year for life. * The MEMBERS Single Premium Immediate Annuity from CMFG Life Insurance Company provides retirement income you can t outlive. You receive monthly payments for life...and a guarantee to get back at least as much as you Income put in. that lasts a lifetime. Receive a 7.02% payout rate in guaranteed income every year for life.* For each $100,000 invested in a MEMBERS Single Premium Immediate Annuity with CMFG Life Insurance Company, check out these examples of the guaranteed income paid out every year* for as long as you live. Life with Cash Refund Under this option, payments are made for your lifetime, and at death if the total of all income payments is less than your net purchase payment, the difference is paid in a lump sum to the loved ones you have named as your beneficiaries. Male Female AGE % 5.46% AGE % 6.08% AGE % 6.85% Yes, there are guarantees in life. Call or visit today to learn how you can guarantee your income for life. *Payout rates effective May 25, 2012 for Life with Cash Refund option. Rate shown is for male, age 75. The payout rate is the percentage of your purchase payment paid out each year and includes both interest and return of principal. It is not an interest rate. Payout rates are subject to change and vary by age, gender and option The selected. MEMBERS Contact Single your representative Premium for Immediate current payout Annuity rates for your situation. Contract minimum is $25,000. May not be available in all states. Insurance products are issued by CMFG Life Insurance Company (CMFG Life). Insurance products are sold through licensed CMFG Life representatives. All guarantees are based from on the CMFG claims-paying Life Insurance ability of CMFG Company Life. MEMBERS provides Insurance retirement & Investments is the marketing name for the products offered through CMFG Life. income you can t outlive. You receive monthly payments CUNA Mutual Group 2012 Base Policy Form 2008-SPIA-DB REV 0212 for life...and a guarantee to get back at least as much as you put in.

7 Seven Seventeen Investment & Trust Services Advisor November 2012 Happy Holidays from Seven Seventeen Investment & Trust Services! Bill Mike Paul Lisa Jen Did you know? We accept... Pension 401(k) IRA... Rollovers! For more information call * or Your Seven Seventeen Investment & Trust Services * team are: Financial Advisors... William C. Day Michael J. McMahon Paul D. Finch Support Staff... Lisa A. Mosko Jennifer Davies Make your no-cost, no-obligation appointment by calling: , , , , or , ext or * The Valley s Shale Boom: A Unique Opportunity to Secure Your Financial Future How will this affect you? Do you have a plan in place? We can help! * FR AA *Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. FR

8 8. Owners Connection Fall 2012 You really count! a new look to our member surveys We re pleased to announce an update to our survey program that includes a new look. The updated survey is called You really count! As before, randomly chosen members will receive either a paper survey in the mail or an with a link to our online survey. While many members will receive a survey through the mail, is the easiest, quickest, and most cost-effective way for us to provide a survey to you and for you to provide us your valuable feedback. If you haven t done so recently, we encourage you to provide us your current address. The You really count! survey program will be conducted by Support Financial Resources on behalf of Seven Seventeen. Support Financial Resources does not use survey data collected for any other purpose. The survey data obtained by Seven Seventeen is held in strictest confidence, according to the credit union s privacy policy. To review this policy, please visit or write to the credit union. If you receive a You really count! survey: Please follow the instructions provided, The survey will take less than 5 minutes to complete, You are not required, nor will you ever be asked, to provide personal or account information, and Know that your responses are important and greatly appreciated. Basic Checking... continued from page 1. If you would like to open or learn more about the new Basic Checking account, visit a branch office to speak with a member service representative, visit or call , , , , or Let us help you find a Seven Seventeen checking account that will fit your needs. You can open your new accounts online at 1-Subject to credit approval. 2-Monthly Basic Checking account fee of $7.00 can be reduced by $1.50 with estatements and by $1.50 with a single direct deposit of $200 or more with total reduction of up to $3.00 per month. 3-Must opt in for Overdraft Privilege coverage of every-day debit and ATM transactions. Overdraft Privilege fee of $19.50 per overdraft (non-sufficient funds) occurrence compared to $30.00 on other Seven Seventeen checking account types. 4-$0.99 per day negative account fee is waived during 4-Day Grace period. No negative day fee charged if account is negative by less than $10.00 or if account is brought back to positive by end of the fourth day after account goes negative. 5-You must have NetWorth24 to access Mobile Banking. Bill Pay is free if three or more bills are paid each month. In the event that less than three bills are paid during the month, a fee may be charged for that month. These fees may be waived or reduced based on you STAR Member Rewards level. Ask for details. Introducing Refi My Auto! As an extension of our Simplify & Save program, we are introducing Refi My Auto, a no-cost program for members to find out if Seven Seventeen can save them money. After all, helping members save money is one of the main goals of the Simplify & Save program. If you are a member that has a vehicle loan at another financial institution, we ve set up a secure website, so you can find out if Seven Seventeen can save you money by refinancing that loan. It only take a few minutes to complete the online form, and simply put, we can save you money by reducing your interest payments or we can t either way, we ll let you know. Plus, it s free to find out if you can save money! There are only a few short steps you need complete: 1. Go to 2. Answer a few questions about the vehicle loan you have at another financial institution and hit submit. 3. We ll carefully review your information and send you an within two business days letting you know if we can save you money by reducing your interest payment. If we can t, we ll let you know that too. The Refi My Auto program is found exclusively online. Remember: if your says we can save you money, don t delay in contacting us. The sooner we can refinance your vehicle loan, the sooner you will start saving!

9 A publication of Seven Seventeen Credit Union 9. Important security upgrade for NetWorth24 Online Banking users Seven Seventeen cares deeply about keeping your money safe while providing you with easy access to your accounts. With our online and mobile banking products, we have always focused on providing the most up-to-date security features. As such, we will be making some minor changes to our security protocols to ensure best practices and meet government mandated guidelines that will be required of all financial service providers in the near future. What are the changes? There are two key changes that we are asking you to complete by December 31, 2012: 1. To ensure that your login is as strong and secure as possible, your User ID cannot be made up of only numbers. Coming in January 2013, your User ID must be: At least six characters long Must contain both letters and numbers, and Use at least one of the following special $ * _ - =.! ~ If your current login does not meet these upgraded minimum requirements in January, you will be prompted to create a new User ID and/or password. A lot of our members have already taken advantage of making their User ID stronger; however, if you have previously used your account number for your User ID, you will need to create a new, stronger ID, as outlined above. 2. Also in January, we are implementing a new requirement to verify your identity by phone when you log in. After providing your new, strong User ID and password, you will be asked to provide a phone number for either a mobile phone or a land line. You can enter up to two phone numbers. We will immediately send an access code to your phone (via voice or text message) that you will enter into your computer to complete your login. Many members have already used this method to receive their access code, and it is very fast. The option to receive your access code through is still available; however, obtaining the access code by voice or text is the most secure way to gain access to your accounts online. Is there anything you can do now? If your User ID does not currently meet the new standards, please update your information now to the new standards (go to the Change User ID section on the User Options page of NetWorth24 Online Banking). If you do not complete the update before the security upgrade goes live in January, then you will be asked to update this information at that time. At that time, you also must have a phone handy and provide the phone number to receive your access code. When will the upgrades take place? The security upgrade will take place in January Additional information will be communicated in the near future. Please watch your and log on to regularly for the latest updates related to NetWorth24.

10 10. Owners Connection Fall 2012 Simplify & Save still saving members millions! We are appreciative to all the members and credit union employees who have worked together to make the Simplify & Save program a continuing success. The goals of our Simplify & Save program from the beginning were to help our members simplify their financial lives and to help them save money. I am Trish Mealy and I choose Seven Seventeen for my Business Banking. Try our Cash Management services FREE for 90 days. 1 Enroll today at After 15 months of the program, we ve saved members more than $17 million in loan interest savings! These savings have been achieved primarily by consolidating debt and reducing the cost of financing on loans held elsewhere, such as refinancing a home mortgage or auto loan. It s never too late to join your fellow members who have benefited from the Simplify & Save program. Call us, visit us, or go to and see how we might help you Simplify & Save! Business Made Easier. Business Checking Commercial Loans Online Business Services 1 Must send the first wire and/or ACH to SSCU within 30 days or business will be charged regular price. Excludes International Wires. Offer is for new Cash Management customers only and can be changed or revoked at any time cu@work-sscu.net

11 A publication of Seven Seventeen Credit Union 11. Do you know the benefits of a Seven Seventeen VISA Debit Card 1? Convenient and secure: Your Seven Seventeen VISA Debit Card looks like a credit card, but works like a check. When you use your debit card to make a purchase, the amount will be deducted directly from your checking account, while maintaining the convenience and security protections provided by VISA. Plus, you don t need to carry large amounts of cash. No check writing: A debit card can be used for purchases where you shop, such as stores, online, and by phone, so there is no need to write checks. In addition, you save money because a debit card reduces the number of checks you ll need to reorder because you ll use less of them. Cash back 2 : When using your debit card for store purchases, many merchants allow you to receive cash back at no extra charge. VISA s zero liability policy 3 : If your debit card is lost or stolen, you are protected from unauthorized, non-pin transactions. Debit Card Rewards 4 : All Seven Seventeen Debit Cards are automatically enrolled in the Debit Card Rewards program earning you reward points every time you process your payment as a credit and sign for a purchase. You can even combine your Seven Seventeen VISA Debit Card Reward points and Seven Seventeen Credit Card ScoreCard points so they accumulate faster. Then, redeem those points for brand name merchandise or travel rewards. Mine by Design Personalized Debit Card 5 : Put a cherished photo on the card you use the most. Make it happen when you personalize your Seven Seventeen debit card by uploading one of your favorite photos or by using a picture from our existing photo gallery. Visit the Mine by Design website to see how easy it is to create your personalized debit card, simply go to Instant-Issue Debit Card: If you need a new Seven Seventeen VISA Debit Card 2 or need to replace your current card in a hurry, you can visit our Larchmont Avenue Office in Warren and receive a new card that is ready to use immediately! Seven Seventeen s Instant-issue Debit Cards feature our standard debit card design. Learn more at stop by a branch office, or call us today! 1-Must have a Seven Seventeen checking account and credit qualify for the VISA Debit Card. Ask for details. 2-Cash back requires the transaction be processed as a debit transaction using a four-digit PIN. 3-Eligible transactions include purchases made with your debit card that did not require a personal identification number (PIN). U.S. issued cards only. 4-There is no charge to participate in the Debit Rewards Program. Only signature Debit Card transactions are eligible to earn ScoreCard Reward points. Reward points are earned on net purchases only (purchases minus returns / credits). Reward points are not earned on transactions made using a Personal Information Number (PIN). 5-When you order a Seven Seventeen debit card through the Mine by Design website a charge of $10.00 will be deducted from the primary checking account that is linked to your debit card; the fee is assessed on the first business day of the following month. Note: the fee is charged if you use an image from our library or your own personal image. Please refer to the Mine by Design website for restrictions regarding the use of personal images. Seven Seventeen Personalized Debit Cards can only be created through the Mine by Design website.

12 3181 Larchmont Ave. NE Warren, OH In this issue: Introducing Basic Checking Mobile App Now Available Simply Rewarding Program You Really Count! Security Upgrades for NetWorth24 Announced What are the Benefits of a Debit Card?... and more! Medical Care Employees Federal Credit Union members welcomed Medical Care Employees Federal Credit Union (MCEFCU) of Youngstown, Ohio, has merged into Seven Seventeen Credit Union, effective November 1, Medical Care Employees Federal Credit Union had $3,400,000 in assets and served approximately 980 members. All of us at Seven Seventeen would like to welcome our newest members to our credit union family, and look forward to helping them meet their financial goals. The merger will provide MCEFCU members a broad range of products and services, with additional office hours and locations. Seven Seventeen-Owned ATMs allow unlimited use All Seven Seventeen members have unlimited FREE transactions (withdrawals, deposits, and transfers) at any Seven Seventeen-owned ATM. Service areas where we have an ATM include: Austintown, Boardman, Canton, Cortland, Howland, Hubbard, Kent, Vienna, Warren, Columbiana, Champion, Cornersburg, Girard, Liberty, and Niles. A complete list of Seven Seventeen owned-atm locations is available via our new Mobile App; or you can go to The MoneyPass * network offers over 23,000 surchargefree ATMs; visit to find the nearest machine. Locally, ATMs inside Sheetz and GetGo stores are also surcharge-free.* *Save money with MoneyPass by avoiding other financial institution s surcharges, which may be $3.00 or more. Some MoneyPass locations may not accept deposits at their ATMs from customers of other financial institutions, depending on the financial institution owning the ATM. Although you are not charged a surcharge fee, a transaction fee of $1.00 per ATM transaction will apply.