Member Resource Guide - Connexus Credit Union

Member Resource Guide
Welcome to Connexus Credit Union!
ENDURA FINANCIAL will soon become
Phone: 800.845.5025
Fax: 715.847.4747
Email: [email protected]
Online Chat: ConnexusCU.org
Mailing Address: PO Box 8026
Wausau, WI 54402-8026
Member Call Center Hours:
M,T,W,F: 7–5 Th: 9-5
Federally insured by NCUA.
EF092015
OPPORTUNITY
Brooklyn Center Branch
5825 Xerxes Avenue North
Brooklyn Center, MN 55430
Lobby: M-F 9-5 , Drive-thru: M-F, 9-5
Golden Valley Honeywell Branch
1885 Douglas Drive North
Golden Valley, MN 55422
Lobby: M,T,W,F 8-4, Th 9:15-4
Ridgway/Stinson Honeywell Branch
2600 Ridgway Parkway
Minneapolis, MN 55413
Lobby: M,T,W,F 8-4, Th 9:15-4
Closed daily over lunch 10:30-11
Same Friendly Faces
Same Great Places
Please read this important
information regarding your
Endura Financial accounts.
2015
A MESSAGE FROM THE PRESIDENT
TABLE OF CONTENTS
A Message from the President …..………….....……..…....3
Important Information & Key Dates………..................….4-9
Online, Mobile & Telephone Banking........................…10-11
Bill Pay, Scheduled Transfers & eStatements..…….....12-13
Checking, Direct Deposits & Statements….…………......14
Welcome to
Connexus Credit Union!
Debit/ATM & Credit Cards……………………......……….15
Savings & Deposit Products…………………....……….....16
Loans & Payments..……………………….….....…..….......17
Product Overview….........................................................18
On Monday, November 2, 2015, the integration
between Endura Financial Federal Credit Union
and Connexus Credit Union will be complete.
Contact Information…….................…...............Back Cover
Visit ConnexusCU.org to see other products, services and tutorials.
While the Endura name will change, you will continue to see the same
friendly faces at the same great places you know and trust. We look
forward to offering you an expanded set of high-yield deposit products
and low rate loans, all delivered with exceptional member service. Please
read the information in this booklet carefully. It’s a great overview of what
is happening, when it’s happening, and any actions you may need to take
in the upcoming weeks. If you have questions that are not answered in
this booklet, please stop by one of our branch locations, or give us a call
at (800) 845-5025.
Again, it is with great pleasure that I welcome you to Connexus.
Thank you for your loyalty and your ongoing support.
Regards,
Same Friendly Faces,
Same Great Places...
2
J. David Christenson
President / CEO
3
MEMBER Information
ONLINE, Mobile and Telephone Banking
4
Key Dates
What’s Happening
Action
NOV. 2
Your new Connexus member number will be your
current Endura Financial member number preceded
by “88.” For example, if your current member number
is “12345,” then your new Connexus member number
will be “8812345.”
Please begin using your new Connexus member
number starting November 2. You will receive a
second mailing in October with your new membership
and checking account numbers.
NOV. 2
Endura Financial discontinued its Shared Branching
program on August 1. This means you can no longer
perform banking services at non-Endura
Financial/Connexus branches.
Continue to access thousands of surcharge-free
CO-OP and MoneyPass ATMs and Online & Mobile
Banking services 24 hours a day, 7 days a week.
NOV. 2
Endura Financial branches will be open as usual
on November 2.
Member Call Center hours will be extended from
November 2-6, 6:00 am to 9:00 pm Central Time.
Please call us at 800.845.5025 if you have questions.
NOV. 2
Endura Financial eStatement history will be
available in Connexus Online Banking after Noon
Central Time on November 2.
If you currently receive eStatements, you will have
access up to two years of eStatement history in
Connexus Online Banking.
Pg 13
OCT. 25
October 25 is the last day to setup new payments in
Endura Financial Bill Pay.
You may schedule or edit payments through
Endura Financial Bill Pay until October 25,
11:59 pm Central Time.
Pg 12
OCT. 26 NOV. 2
Endura Financial Bill Pay will be unavailable starting
October 26. No additions or adjustments can be made
after this time. Payments set-up prior to October 26 will
be processed as scheduled. Connexus Bill Pay will be
available after Noon Central Time on November 2.
Review and adjust your Bill Pay account prior to
October 26. Register for Connexus Online Banking
after Noon Central Time on November 2. After you
have registered for Online Banking, please verify that
all payments scheduled between October 26 and
November 2 processed as expected, and that all
future scheduled payments are set up correctly.
Pg 12
OCT. 30 NOV. 2
Endura Financial Online & Mobile Banking and
other services will be permanently unavailable as of
5:00 pm Central Time on October 30.
You can register for Connexus Online Banking after
Noon Central Time on November 2, then download
the free Connexus Mobile App through the App
StoreSM or Google PlayTM.
Pg 10
Transaction alert notifications set up in Endura
Financial Online Banking will not carry over to
Connexus Online Banking; however, new alerts can
be created.
Create new transaction alert notifications in
Connexus Online Banking anytime after Noon Central
Time on November 2. You can set up notifications
through Online Banking via Settings/Notifications.
Endura Financial Telephone Banking will be
permanently unavailable as of 5:00 pm Central Time
on October 30.
Sign-up for Connexus Telephone Banking anytime
after Noon Central Time on November 2 by calling
800.438.2747. Follow the prompts to register using the
last four digits of the primary account holder’s Social
Security Number.
NOV. 2
NOV. 2
More Details
---
---
Pg 10
5
What’s Happening
Action
More Details
NOV. 2
Your Endura Financial checking account will be
matched and automatically converted to a similar
Connexus checking account. Your Endura Financial
checks will continue to process as normal.
You can continue to use your current Endura checks
and deposit slips. When you need to order more
checks, please call us. October 9 is the last day you
can order Endura Financial checks.
Pg 14
NOV. 2
Your Direct Deposits, Electronic Deposits and
Withdrawals (ACH) established with your former
Endura Financial accounts will automatically be
redirected to your Connexus accounts starting
October 31.
Connexus will work on your behalf to update the
account number, member number and ABA/Routing
number (275982296) with the transaction originator
(employer, retirement plan, etc.). We will notify
the originator of the change; however, they may
require action on your part to confirm the
change. If the originator reaches out to you and
requires a confirmation, please comply promptly
for easy transition.
Pg 14
NOV. 2
All scheduled transfers in Endura Financial Online
Banking will be automatically converted to
Connexus Online Banking.
Any remote transfers established with other financial
institutions will need to be re-established within
Connexus Online Banking. After you have registered
for Online Banking, please verify that all transfers
scheduled between October 26 and November 2
processed as expected, and that all future scheduled
transfers are set up correctly.
Pg 13
Connexus will continue to retain your Endura Financial
statement history.
Pg 14
1st week of You will receive your Endura Financial
Nov.
October statement by mail, the first week in
& Dec.
November, regardless of your statement delivery
preference. You will receive your November account
statement via your preferred delivery method in
December, branded as Connexus.
ATMs will remain the same.
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The ATM networks that are in place now will remain in
1
place after the merger.
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NOV. 2
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Pg 15
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Pg 15
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Is the following
If you currently have automatic payments via a transfer
2
in Endura Financial Online Banking, your information
will be automatically converted to Connexus Online
Banking. If you have automatic payments set-up at
another financial institution, you will need to
re-establish these transfers by updating the ABA/
Routing number (275982296) and your billing address.
P
Your Endura Financial credit card will remain the
same and will not be impacted by the conversion.
You will receive a newly-branded Connexus credit
card early next year.
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NOV. 2
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Continue to use your Endura Financial debit card until
November 2. Activate your Connexus debit card when
you receive it in October. Discontinue use and destroy
your Endura Financial debit card and start to use
your Connexus debit card on November 2.
N
On or before October 15, you will automatically
receive a new Connexus Visa® Debit/ATM Card.
A
NOV. 2
M
CHECKING, Direct Deposits, Statements, ATMs, Credit/Debit Cards
Key Dates
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What’s Happening
Action
More Details
NOV. 2
Your savings and deposit products will be matched
to similar savings and deposit products and
automatically converted for you.
Your savings and deposit products will earn the
current Connexus savings rate. Please review
the enclosed Investment Rates sheet for
more information.
NOV. 2
Your Certificates (Share or IRA) will continue at
its current rate and term until maturity.
Your Certificates (Share or IRA) will automatically
renew unless you contact us. If you already notified us
not to renew your certificate, we will continue to honor
your request.
Pg 16
NOV. 2
Your current loan rate and loan payments will
remain the same until your loan is paid off.
If you have automatic payments set-up at another
financial institution, you will need to re-establish these
transfers from Endura Financial to Connexus. Continue
to make loan payments at your branch, through
automatic payments in Online Banking, by automatic
payments through another financial institution, or by
mail. If you set-up payments automatically through
Endura Financial Online Banking, this information will
automatically convert to Connexus Online Banking.
Pg 17
NOV. 2
You can apply for loans quickly and easily online.
To apply, go to ConnexusCU.org/Applications
LOAN Payments
SAVINGS &
Deposit Products
Key Dates
Pg 16
and see
enclosure
Summary of KEY DATES:
S
T
W
OCTOBER
1
T
2
F
3
S
New Connexus Visa® Debit/ATM
11
S
Endura
debit card
deactivated
2
M
3
T
4
W
5
T
6
Begin using your Connexus debit card on November 2.
F
7
5
6
7
8
9
10
11
12
13
14
15
16
17
Begin using your Connexus Bill Pay after Noon Central Time Nov. 2.
18
19
20
21
22
23
24
Begin using your new member and account number November 2.
2525Last
26
27
28
29
30
31
Cards will arrive between OCT. 1-15. Activate your new Connexus debit card, but
continue using the Endura Financial debit card until Nov. 2.
8
Endura Bill Pay is unavailable until Noon Central Time on November 2.
30
ss
day to set up
new payments
in Endura
Bill Pay
(until 11:59 pm).
November 1.
Endura Online Banking is
unavailable at 5 pm Central.
8
S
ss
ss
4
M
Sign-up for Connexus Online, Mobile & Telephone Banking
anytime after Noon Central Time on November 2.
9
10
11
12
NOVEMBER
13
14
9
Online Banking — What’s Changing?
Online, Mobile & Telephone Banking
CONNEXUS
Credit Union
We are excited to provide you with our secure, state-of-the-art
Online and Mobile Banking system.
NEW features
Online & Mobile Banking
Fully integrated user experience across
devices (desktop, tablet & mobile)
4
Customizable Layout
4
Budget Tool
4
Enhanced Mobile Security
4
Endura Financial Online & Mobile Banking and other services will be
permanently unavailable as of October 30, 5:00 pm, Central Time. You can
register for Connexus Online Banking after Noon Central Time on November
2, (see below), then download the free Connexus Mobile App through the
App StoreSM or Google PlayTM.
Online Banking
To register for Online Banking, go to ConnexusCU.org/Online Banking
and follow the quick and easy steps below:
• If you are the primary member, not the joint owner or co-borrower,
follow the primary member login instructions to register.
• If you are not the primary member, i.e. you are the joint owner or
co-borrower, create your own username and password and follow the
Joint/New User login instructions to register.
To find out more about Online Banking, watch our tutorials at
ConnexusCU.org/Online Banking. Current Online Banking users will receive
more detailed registration instructions.
ENDURA
Financial
SIMILAR Features
Alerts — now called Notifications1
4
4
View balances and history
4
4
Initiate Transfers
4
4
eStatements
4
4
Bill Pay
4
4
Mobile Deposit
4
4
Send Secure Messages
4
4
Nickname Accounts
4
4
Images2
4
4
View Check
What information will automatically transfer from
Endura Financial Online Banking to Connexus Online Banking?
• All accounts for which you are primary, joint and co-borrower
• Scheduled bill payments and transfers
• eStatement history
External Transfers
4
4
Search Features (transactions,
check #, etc.)
4
4
Password Reset
4
4
Finance Works / Account Aggregation3
4
4
Telephone Banking
POP Money / P2P
4
4
Endura Financial Telephone Banking will be permanently
unavailable as of October 30, 5:00 pm Central Time. Sign-up
for Connexus Telephone Banking anytime after Noon Central
Time on November 2 by calling 800.438.2747. Follow the
prompts to register using the last four digits of the primary
account holder’s Social Security Number.
10
ONLINE Banking Features
RETIRED Features
4
eDeposit
4
eRewards Summary
Check copies and stop
payment4
4
1 Alerts
and notifications set up in the Endura Financial system will not carry over, but
new alert options can be created within Connexus Online Banking.
2 Images only available for Connexus branded checks.
3 Finance Works will no longer be offered, however; Connexus Online Banking
includes account aggregation and budget and savings tools.
4 Only available by calling our Member Call Center.
11
Bill Pay, Scheduled Transfers & eStatements
Bill Pay
Your Endura Financial Bill Pay information will transfer over to the Connexus
Bill Pay platform during the system integration. Bill Pay payees and
scheduled payments will be automatically transferred
NOVEMBE
R
and available within Connexus Bill Pay after Noon
S M T
W T F
S
1
Central Time on November 2.
2 3 4
5
During the system integration, Endura Financial
Bill Pay will be UNAVAILABLE starting October 26. No additions or adjustments can be made after this
time. Payments set-up prior to October 26 will be
processed as scheduled. Connexus Bill Pay will be
available after Noon Central Time on November 2.
S
M
4 5
11 12
18 19
25 26
6 7
8 9 10
11 12 13
OC
14
15TOB
16ER
17 18 19
20 21
T22 W23 T24 F25 S26
27 28
29 30
1 2 3
6 7 8 9 10
13 14 15 16 17
20 21 22 23 24
27 28 29 30 31
• Schedule or edit payments through Endura Financial Bill Pay
until October 25, 11:59 pm Central Time.
• Bill Pay will be unavailable between October 26, 12:00 am
and November 2, 11:59 am Central Time.
• Payments scheduled between October 26 and November 2 will be
processed as scheduled.
Access Connexus Bill Pay from Connexus Online Banking anytime after Noon
Central Time on November 2. Once you register for Online Banking, access
Bill Pay through the “Bill Pay” widget located on the left side navigation bar
and follow setup directions. After you have registered for Online Banking,
please verify that all payments scheduled between October 26 and
November 2 processed as expected, and that all future scheduled payments
are set up correctly.
Connexus Online Banking also uses multi-factor authentication to protect
your information. Every member will need a username and valid email
address. The first time you log-in you will establish the following:
Once the password requirements are established on a device (home
computer, tablet, etc.) you will be able to select ‘Remember Device’ and skip
these questions in future logins from that device. To find out more about Bill
Pay, watch our tutorials at ConnexusCU.org/Online Banking.
Scheduled Transfers
With Connexus Online Banking you can transfer funds between your
Connexus accounts, between other financial institutions, directly to a
Connexus member, or to an individual’s account at another institution.
All scheduled transfers in Endura Financial Online Banking will be
automatically converted to Connexus Online Banking. After you have
registered for Online Banking, please verify that all transfers scheduled
between October 26 and November 2 processed as expected, and that all
future scheduled transfers are set up correctly. Any remote transfers
established with other financial institutions will need to be re-established
within Connexus Online Banking.
eStatements
Endura Financial eStatement history will be available in Connexus
Online Banking. Starting anytime after Noon Central Time on November 2,
sign up for Online Banking, then access eStatement history through
Connexus Online Banking. If you currently have eStatements, you will have
access up to two years of eStatement history in Connexus Online Banking.
Members who normally receive
eStatements will receive printed account
statements in October. You will receive your
November eStatement in December,
branded as Connexus.
• Username and password
• Answers to 5 security questions
• Confidence image
• Secret phrase
12
13
es.
N
Submit all changes
at one time.
Is the following fron
t information correct
?
Background
BIN Number
Logo Color
Program Name - if
needed
Your Logo
Debit & Credit Cards
Checking
tion correct?
Debit Card
Accounts
Address - Most
Your Direct Deposits, Electronic Deposits and Withdrawals (ACH) established
with your former Endura Financial designated accounts will automatically be
redirected to your Connexus accounts starting October 31.
Connexus will work on your behalf to update the account number, member
number and ABA/Routing number (275982296) with the transaction originator
(employer, retirement plan, etc.). We will notify the originator of the change;
however, they may require action on your part to confirm the change. If the
originator reaches out to you and requires a confirmation, please comply
promptly for easy transition.
If you need to change an existing or setup a new direct deposit or
withdrawal, please use the new Connexus ABA/Routing number (275982296)
and your new checking/savings account number. Your new Connexus member
number will be your current Endura Financial member number preceded by
“88.” For example, if your current member number is “12345,” then your new
Connexus member number will be “8812345.” You will receive a second
mailing in October with your new membership and checking account
numbers.
4744
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Credit Card Accounts
Your Endura Financial credit card will remain the same and will not be
impacted
the
conversion. You will receive a newly-branded Connexus
If Not Apby
proved
:
Forward this email
withnext
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early
tion of
the change
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Direct Deposits, Electronic Deposits and Withdrawals
BACK
round of requested
Connexus Credit
changes. Financial debit
Union Nov. 2.
• Continue to
use your Endura
card until
BIN #: 474415
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• Activate your Connexus card when you Lo
receive
itv/bin October.
Date: 03.17.
Do 2notApuse
new debit card until after Noon15Central Time on Nov. 2.
provthe
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• Discontinue use and destroy your Endura Financial debit card
If Approved:
andFor
start
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ward this
ail wit
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titution Name and
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om
• If
payments
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Banking, your information will be
automatically
This proof is int converted to Connexus
ended to show
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Online Banking.
It is not intende
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d
I
You can continue to use your Endura Financial checks
and deposit slips. When you need to order more
checks, please contact the Member Call Center.
See our contact information on the back cover.
current
Back Text
You will receive
a newly-branded
Network Bugs
Connexus
debit
between
Phone
Number(s)card
- Most current
October
1-15.
Please
follow the important instructions below:
Please note
R
Your Endura Financial checking accounts (to include business checking) will
be matched and automatically converted to a similar Connexus checking
account. Your Endura Financial checks will continue to process as normal.
A
Checking, Direct Deposits & Statements
Is the following bac
k informa
FRONT
FRONT
to represent co
lor or quality of
all elements of
your card.
the plastic card
.
• If you have automatic payments set-up
at another financial institution, you will
need to re-establish these transfers by updating the ABA/Routing
number (275982296) and your billing address.
Statements
You will receive your Endura Financial October statement by mail, the first
week in November, regardless of your statement delivery preference. You will
receive your November account statement via your preferred delivery method
in December, branded as Connexus. We will continue to retain your Endura
Financial statement history.
14
15
Savings & Deposit Products
Loans & Payments
Savings & Deposit Products
Current Loans
Your Endura Financial savings and deposit accounts
(to include business savings) will be matched to similar
savings and deposit products and automatically converted for you.
• At your branch
• Through automatic payments in Online Banking
• By automatic payments through another financial institution
• By mail. Mail payments to the address below beginning November 2:
Connexus Savings & Deposit Products:
• Certificates (Share & IRA)
• Retirement IRA Savings
Connexus Credit Union
PO Box 8026
Wausau, WI 54402-8026
• Education IRA Savings
• Personal Savings
• Holiday Savings
If you set-up automatic payments through Endura Financial Online
Banking, this information will automatically convert to Connexus Online
Banking. If you have automatic payments set-up at another financial
institution, you will need to re-establish these transfers.
• Youth Savings
• Health Savings
• Money Market
Various Loan Options
Savings Accounts
Your Share Savings accounts will convert to a Connexus Share Savings
account and will earn the current Connexus savings rate. Please review the
enclosed Investment Rates sheet for more information.
Certificates (Share or IRA)
Your Certificates (Share or IRA) will
continue at its current rate and term
until maturity. It will automatically
renew unless you contact us. If you
already notified us not to renew your
certificate, we will continue to honor
your request.
Certificate Renewal Terms
Endura Financial
Connexus
6-11 months
6 months
12-23 months
12 months
24-35 months
24 months
36-59 months
36 months
Your share certificate will automatically renew according to the chart
above. If you have a 6, 12, 24, 36 or 60 month term, it will renew for the
same term upon maturity. If you have a certificate term that is no longer
offered, it will renew according to the chart above. Before the certificate
matures, we will send you a pre-maturity notice advising you of the
certificate’s maturity date and renewal term.
16
Your loan rate and loan payments will
remain the same until your loan is paid off.
Continue to make loan payments:
Borrowing will continue to be easy and affordable with Connexus.
Please visit our website at ConnexusCU.org for additional information on
our competitive low rates for the following products:
• Auto Loans (new/used)
• Home Equity Line of Credit
• Mortgage Loans (fixed/variable)
• Personal Loans
• Home Equity Loans
• Personal Line of Credit
Mortgage Products
Checkout our expanded selection of Mortgage products that will be
available to you starting November 2:
• 15 Year Fixed Rate
• 3/3 ARM Residential
• 20 Year Fixed Rate
• 7/3 ARM Residential
• 30 Year Fixed Rate
• 7/3 ARM Premier Jumbo
• Rapid Refi Fixed Rate
• 10/3 ARM Residential
• 15/1 ARM Residential Visit ConnexusCU.org for full product details.
Rate Watch
Receive our Mortgage “Rate Watch” alerts when you sign-up at
ConnexusCU.org/RateWatch. It helps you keep an eye on mortgage
interest rates. We will email you when rates reach your goal, or, if you
prefer, we can email current rate information to you on a regular basis.
17
Security Center Our top priority. Learn how to protect yourself from fraud and online security at: Connexuscu.org. > Services > Security Center. Please see
the enclosed
Page 11 – Product Overview Products
& Services
(Lee, please find remote deposit image similar to this to use on this page: Guide
http://www.nefma.org/resource/resmgr/blog_pics/mobile-­‐deposit.jpg) Our Mission Statement
Product Overview
To help our members achieve their
personal financial objectives by
anticipating their needs and exceeding
their expectations with superior service
and products.
We are dedicated to the financial
success of our members.
For savings and deposits, we offer
high-yield options. For loans, we
provide solutions using welldesigned products with competitive
rates, comfortable term lengths and
flexible payment options.
Products: Checking
Personal Checking
Business Checking
Debit Cards
Nationally
Recognized
for
HIGH YIELD
CHECKING
(The information below is from the Products chart from page 12 of SEG presentation): Loans
Personal Savings
Mortgage
Loans success of our members. We are dedicated to the financial Holiday Savings
Home Equity Loans
For savings and deposits, we offer high-­‐yield options. For loans, we provide solutions using well-­‐
Youth Savings
Home Equity Line of Credit
designed products with competitive rates, comfortable term lengths and flexible payment options. Health Savings
Auto Loans
Savings
Money Market
Checking Recreational Loans
Savings Certificates (Share
& IRA) Checking Personal Loans
Personal Personal Savings Business C
hecking Retirement IRA Savings
Personal Line of CreditHoliday Savings Debit Cards Health Savings Education IRA Savings
Credit Cards
Nationally Money Market recognized Share Certificate for high-­‐yield Retirement IRA checking Education IRA Loans Mortgage Loans Home Equity Loans Home Equity Line of Credit Auto Loans Recreational Loans Personal Loans Personal Line of Credit Same
Credit Cards Same
Friendly Faces,
Great Places...
Add a shorter version of “What’s It’s Called” if space permits. 18
Amanda’s notes – discuss with Chad – he requested to use the information from the SEG presentation. Existing Accounts (all current Endura loan & deposit account conversion information) New Available Accounts (new product chart, benefit/feature statements) 19