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Category Archives: Consumers ConnectU
We love the holiday season—the traditions, the time to spend with friends and family. What we don’t love? The financial stress that too often accompanies Christmas purchases of gifts and meals. That’s why we offer Christmas Savings Accounts, so you don’t have to stretch your budget when the holiday shopping begins or rely on credit cards. By putting away a small amount of money each week, each payday, each month, or whatever schedule works for you, you won’t feel like you’re missing the money you’re putting in savings, and you’ll be stress-free next Christmas. You can set up direct deposit with payroll allotment so the savings is automatic and worry-free, too. You’ll even earn interest on your savings balance. Just choose your savings goal (making sure to include decorating and entertaining expenses) and watch your account grow! To open your Christmas Savings Account, log in to Online Banking and select … …continue
‘Twas the night after Christmas, and all through the house, Not a creature was stirring, except my laptop mouse. I logged into Online Banking with care, In hopes that my holiday bonus would be there. The children were nestled all snug in their beds, While dreams of their new toys danced in their heads. And mamma in her kerchief, and I in my cap, Had just settled down to pay bills without a single stamp. Now the gas bill! Now the water! Now electricity and cable! On stocking stuffers! On kids toys! On Christmas dinner and our new table! To the credit card company! To that department store in the mall! Now dash away! Dash away! Dash away all! As dry leaves that before the wild hurricane fly, When they meet with an obstacle, mount to the sky. So through the ACH system and U.S. mail they … …continue
Access Your Accounts, Wherever the Holidays Take You: The Fourth Video in the Consumers ConnectU December Holiday Series
“Over the river and through the woods—or wherever this Christmas finds you—you want to be able to access your accounts on the go,” says Tim Kosak, Consumer Lending Manager at Consumers Credit Union. Online and mobile tools make it possible. Watch the video below, the fourth in the Consumers ConnectU December holiday series, to learn how to locate surcharge-free CO-OP ATMs, check your accounts by TextBanking, and pay holiday bills without even leaving the house. Want more tips like these? Watch the rest of the videos in our series: Your Holiday Budget Playing Santa with Plastic Gifts that Grow
Keep some cash for some holiday fun—or a vacation once the holiday parties have passed. Members with qualifying loans can skip one monthly loan payment per loan in either December or January.* Use the cash for Christmas shopping, holiday celebrations, or to catch up with bills. You can initiate your skip by logging into online banking and selecting “Skip a Loan Payment” under the “Accounts” tab or by calling us at 800.991.2221. For payments of $500 or greater, the fee to skip a payment is $50; for payments of less than $500, the fee is $35. Please submit your skip request at least seven days before your payment is due. Skips will be processed approximately two weeks before your payment due date. *Deferment of payment will extend the life of the loan and may cause an increase in the final payment amount. Offer only available on CONSUMER vehicle or RV … …continue
On Thursday, Target announced a significant breach in their payments data, which may impact shoppers who made credit or debit card purchases in their stores from November 27 to December 15 of this year. In light of this announcement, Consumers Credit Union reassures members that your debit and credit cards are protected with the highest standards of fraud monitoring services. Visa and MasterCard are currently researching the extent of the data breach. Our Card Services team is working closely with them and our fraud monitoring service to minimize any effects on our members and will act accordingly as we learn more. In the meantime, if you are concerned that your cards may have been compromised, please regularly review your credit and debit transaction history and account statements and alert us to any irregularities. We will work with you to swiftly research the issue, return any funds lost as a result … …continue
Consumers Credit Union is proud to bring you account options that save you money, like our Seriously Free Checking accounts. No minimum balance requirement, no monthly service charge, and no per check fees help you save even as you spend this holiday season. What does that mean to you? More money to spend on stocking stuffers and gifts for those you care about! Plus, when you open your Seriously Free Checking account, you’ll receive your new Consumers debit card on the spot. We instantly issue them in the office, so you don’t have to wait to receive yours in the mail. Your debit card will save you even more with access to our network of over 30,000 surcharge-free CO-OP ATMs throughout the United States. With more than 200 available here in West Michigan, it’s easy to avoid unnecessary ATM fees. And all of our members enjoy easy online access to … …continue
When you’re out finishing up your Christmas shopping, you want account access at your fingertips. Mobile Banking lets you check your balances, transfer money, and more from the check out lane—or anywhere really. Easily connect to your accounts from any mobile device with Internet access, such as an iPhone, Android, iPad, or Kindle. Simply visit m.ConsumersCU.org from your smartphone or tablet and enter your Online Banking login. You can even pay your bills on the go and view your pending and recent payments with our free Mobile Bill Pay. (Bill Pay is free for all personal checking accounts; business accounts receive up to five bill payments per month for free.) To get started, log into Mobile Banking and select “Bill Pay” from the menu. Have questions about Mobile Banking? Check out our FAQs here or call 800.991.2221 to learn more.
As you shop for your young relatives this holiday season, consider gifts that will continue to give long into the future. “By putting the same amount of money you would have spent on the latest toy or video game into a savings account or CD, you’ll be providing for the child’s future and teaching him or her the value of savings,” says Tim Kosak, Consumer Lending Manager at Consumers Credit Union. Watch the video below, the third in the Consumers ConnectU December holiday series for more smart financial gift ideas. Want more holiday money tips? Watch the rest of the videos in our series: Your Holiday Budget Playing Santa with Plastic
It’s easy to get caught up in the holiday hustle and bustle and go overboard on spending—especially when your favorite stores give you special offers for opening their credit cards. Once the seasonal cheer has worn off, though, store credit card debt can turn a silent night into a sleepless night. Here are our three favorite tips for choosing the correct credit card for you: 1. Don’t choose your card solely based on the sales pitch at the cash register. Before signing up for a new credit card, read the fine print and do your research. 2. Compare interest rates and fees. Most store cards charge rates that are double that of the cards you can get from your credit union. Unless you’re paying off the full balance each month, the special offers you get with the card probably aren’t saving you any money. 3. Consider an alternative to store … …continue
Wherever your travels take you this Christmas, enjoy convenient access to your cash through the surcharge free CO-OP ATM network. With 30,000 CO-OP ATMs throughout the U.S. and more than 200 here in West Michigan alone, it’s easy to avoid unnecessary ATM fees. To find the location nearest you while en route to holiday parties, visit m.ConsumersCU.org from your smartphone or mobile device and select “Office & ATM Locations” from the main menu. Then simply enter your address or click on “Use Current Location” to be bring up a list of locations. All that’s missing from the experience is the free coffee we provide in our offices!