Members are encouraged to check out on PBS the Biz Kid$ episodes on the Biz Kid$ channel in CUBE TV.  This helps educate children 6 to 12 about financial literacy, fiscal an social responsibility, work readiness, and entrepreneurship in a fun and memorable way.  Visit the wesite: http://bizkids.cubetvonline.com

KISS YOUR BANK GOOD-BYE -   Hug  your credit union  hello and let us tend to your financial needs.

Each new qualified service brought to the credit union equals 1 ticket in raffle  -   winner of the raffle gets $100 per new service; up to $500.*

Receive 1/2% off transferred loans from another financial institution.*

Ask about our free checking and how you qualify for an overdraft line of credit or debit card.  Remember to Direct Deposit your paycheck to the credit union where we can distribute it to your other share accounts and loans.

*Ask for details.

At the Annual Meeting for Members Choice Credit Union Inc on Friday, Jan 20, 2012, Karl Keller and James Schaar were elected to the Board of Directors for a three year term. 

Our $100 drawing winners were: Terry Tonovitz; Brenda Ballengee; Anna Marie Varvel; Jared Waldren; Jerry McClellan; Steve Myers; Sharon Welbaum; Roberta Spurrier; Virginia Echman.  The $250 winner was: Teresa Maples.

We continue to sell 50/50 Raffle tickets until mid March to support our scholarship fund.  Stop by the office to purchase your tickets.

IRA ACCOUNTHOLDERS:  Withholding Notice: Payments from your IRA are subject to federal income tax withholding, unless you elect no withholding.  You may change your withholding election at any time prior to your receipt of a payment.  To change your withholding election, compete the appropriate from provided by your credit union.  Withholding from IRA payments, when combined with other withholding, MAY relieve your from payment of estimated income taxes.  However, your withholding election does not affect the amount of income tax you pay.  You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient.

      Members Choice Credit Union Scholarships:  Any student in college or going to college can stop by the office for an aplication for one of our $500 scholarships to be given Friday, March 30, 2012.

Miami Valley Chapter of the Ohio Credit Union League invites you to apply for one of several $1,000 scholarships.  Anyone pursuing a college level degree, anticipating being a full time college studen, maintaining a 2.5 grade point average, living or attending in the Miami Valley, and either they or a family member are a credit union member.  Stop by the office for the application and return no later than February 10, 2012.

Members who hold a MasterCard debit card issued by Members Choice Credit Union are encouraged to enroll in the MasterCard SecureCode program.  It is as simple as clicking on the above banner and following the directions.

We have teamed up with Invest In America to bring you savings on the things you buy every day from trusted American companies.  Turbo Tax available on this site. 

Save thousands on everything from your cell phone bill with Sprint or a brand new GM vehicle to online discounts at over 1,200 major retailers with Shop America.

Discover how much you can save by visiting www.LoveMyCreditUnion.org

U.S. SAVINGS BONDS are going paperless.  Savings bonds will no longer be issued through Members Choice Credit Union.  You now buy and manage savings bonds electronically through TreasuryDirect at www.treasurydirect.gov.

                         BILL PAY IS HERE!!

You will find a tab on the On-line Banking to process paying your credit cards, your utility bills, or any other monthly bill from your Share Draft (checking) account.  You can send donations to your favorite charity or send a gift card to a friend.  Ask about this service.

Our members can receive additonal protection and up to 30% cash back on a worry-free purchase.  Dell will offer credit union members periodic coupons not available to the public.  These offers will appear online from www.lovemycreditunion.org .  Members will learn about the offer and obtain a coupon code for the purchase which will be added during the checkout.

Stop by the office to let us know that you want Members Choice Credit Union to authorize and pay overdrafts on your ATM and everday debit card transactions or that you do not want Members Choice Credit Union to authorize and pay overdrafts on your ATM and everday debit card transactions.

Many of our members at Members Choice Credit Union Inc presently value the service that pays all overdrafts at our discretion on your ATM/Debit card, which means we do not guarantee that we will always authorize and pay any type of transaction.  With this notice, we will continue this service as in the past accessing an overdrawn fee up to $25 each time we pay an overdraft.  There is no limit on the total fees we can charge you for overdrawing your account.

If you do not stop by to sign an opt-in form, it is your authorization for overdraft fee(s) on your ATM and everyday debit card transactions.

Looking for a secure credit card? Members Choice Credit Union offers VISA credit cards at a low fixed rate and no annual fee. You can go paperless by opting out of paper statements.  It is also protected by the online authentication verification service. If you need a credit card or want to transfer a credit card with a higher variable rate, stop by the office for details/disclosure.

Qualified taxpayers may make contributions of a maximum of $5,000; however if you are over 50 years old you may qualify to contribute an extra $1,000.  Stop by the office to start your retirement account.

Roth IRA Share accounts and Coverdell ESA (educational savings) Share accounts are available.  Contact your financial advisor to see if these accounts would be a benefit to you or your family.

For all IRA Share accounts, this Fair Market Value is furnished to the IRS.

To determine the availability of a deposited check, the following is observed: U.S. Treasury checks, wire transfers, checks drawn on Members Choice Credit Union, state or local government checks, cashiers check, certified check, teller's checks, may be considered next day availability.  All other checks are Local checks.  The first $200 from a deposit of local checks will be available on the first business day after the day of your deposit.  If questions stop by the office for a disclosure.

CHANGED E-MAIL ADDRESS??

If you want a reminder when your monthly statement is available on-line, please review the 'member' tab to make sure your e-mail address is correct.  If you don't want the reminder, you do not have to have an e-mail address listed.

VISA cardholders can click the icon above to register your Members Choice Credit Union credit card for extra security features. 

Gift cards can and should be used when making purchases on the internet instead of giving your debit card number.  Don't forget VISA Gift Cards are great for giving as gifts for any occasion.  These cards are: *nonreloadable, *for non PIN based usage, *non-refundable, *card valid thru the date on the front of the card or until the value is 0, *funds valid for 7 years after initial load or date of last use.  Fees: $10.00 replacement if lost/stolen, $5.00 after 12 months of non use and monthly until transaction done, International transaction fee up to 1% where conversion occurs or .8% if conversion not performed.  Call 866-833-2370 if card lost/stolen and call the credit union for replacement card.  For further inquires, https://www.ConsumerCardAssess.com/CUgift2.  Error Resolution: contact customer service within 60 days of transaction.

Remember, Members Choice Credit Union also has a VISA Credit Card.  Benefits of this card are: fixed rate, pay the bill here at our office, no cash advance charge.  Stop by the office to ask for full details/disclosure on both of these cards.

 WHY THROW AWAY YOUR MONEY?  As a credit union member, there's never been a better time to save money on your Sprint service plans, activations, and upgrades.  Sprint has phones, PDAs, push to talk, data service plans, music downloads, TV and more!  Do yourself a favor and start saving today!  Connect to the Sprint site via our Links button.  You will need to provide proof of credit union membership via Member ID card; voided/cancelled check; your statement from the credit union; or credit/debit card issued by the credit union.