October 2023
View the PDF version of our October 2023 newsletter: WMCU October 2023
Holiday Closings
West Michigan Credit Union offices will be closed the following dates:
- Monday, October 9th
- Saturday, November 11th
- Thursday, November 23rd
- Friday, November 24th at 1pm
- Monday, December 25th
- Monday, January 1st, 2024
Access your account through:
- It’s Me 247 Online Banking
- Debit Card
- Shared Branch
- Mobile App with Remote Deposit & Card Controls
Upcoming Holiday Happenings
Be on the lookout for our upcoming Winter promotions. Beginning on November 1, 2023, we will begin our Annual Holiday Loan Special with a new competitive rate to jump start your seasonal shopping!
Expect our Skip-A-Pay program to return this December to help you keep some wiggle room in your budget and start making new holiday memories.
Stay up to date on our limited-time offers by following us on Facebook and Instagram and by visiting WestMichiganCU.com!
Upcoming Local Partnerships
The holidays are just around the corner; help spread some cheer and give back this year! We will be collecting new, unwrapped toys for our local youth beginning November 1, 2023 for Angel Tree and Toys for Tots. Join us in our efforts to brighten the holiday season!
To learn more about our current partners, visit: https://westmichigancu.com/community-involvement/
As always, connect with us on social media to stay updated on our local partnerships and visit your local branch to donate and support your community.
eStatements
Don't forget to enroll for eStatements to receive your statements even faster!
To sign up for eStatements, login to Onlilne Banking and click "My Documents" or visit WestMichiganCU.com/ecommunication.
2024 Board of Directors
We have 3 incumbent board positions up for re-election in the 2024 WMCU Board of Directors. If you are interesting in volunteering to be a board member, please send a letter of intent and resume of qualifications to the Nominating Committee by December 15, 2023.
Send all submissions to:
West Michigan Credit Union
Attn: William Keim
1720 Michigan St. N.E.
Grand Rapids, MI 49503
Note: There will be no nominations from the floor on the day of the event. Voting will be held at our Annual Meeting scheduled on Tuesday, March 19, 2024.
Melissa Price
Licensed in Auto, Home, and Life
1(616) 432-5023 (Direct)
1(616) 710-1469 (Cell)
FAX: (603)427-2621
Quarterly Insurance Update
Cold weather is here! That means bonfires, apple cider, and beautiful leaves, so insurance probably isn't on your mind. However, did you know that taking just five minutes to review your auto and home insurance can save you from losing time doing fun fall and winter activities with your family?
Melissa with Comparion would be happy to review your current policy and see if you have appropriate liability coverage, as well as rental car coverage! Feel free to call, text, or email Melissa with Comparion to review your policies and end your year on the right foot!
*Comparion Insurance is owned by Liberty Mutual Insurance Company
Fee Schedule
Effective January 1, 2024.
| Star Icon | SERVICE | FEE |
|---|---|---|
| Star Icon | Account History Print-Out | $2.00 |
| Account Research | $20/hour | |
| Bill Pay Transaction Overage Fee (Over 20) | 50¢ ea | |
| Star Icon | Card Replacement (Credit, Debit, and Travel Card) | $5.00 |
| Check Cashing/Negotiation | $3.00** | |
| Check Cashing/Negotiation – Non-Members | $5.00 | |
| Star Icon | Check Copy | $3.00 |
| Star Icon | Credit Union Corporate Check (1 free/ mo) | $3.00 |
| 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 | |
| Garnishment/Levy | $25.00 | |
| Star Icon | Gift Card by VISA | $3.00 |
| Star Icon | Instant Issue Card | $10.00 |
| Membership Fee – at time of account opening | $5.00 | |
| Star Icon | Money Order – Per money order (4 free/mo) | $1.50 ea |
| Star Icon | Non-Sufficient Funds Fee – Per Presentment | $30.00* |
| Overnight Fee | $20.00 | |
| Star Icon | Returned Deposit Item | $20.00 |
| Returned Mail | $5.00 | |
| Simple Checking (waived with e-Statements) | $2.00 | |
| Simply Better Checking | $4.00 | |
| Statement Copy – Previous 12 Months | $1.00 | |
| Statement Copy – Older than 12 Months | $2.00 | |
| Star Icon | Stop Payment | $30.00 |
| Travel Money Card by VISA | $5.00 | |
| Travel Money Card Reload | $3.00 | |
| Star Icon | Wire Transfers – Domestic Outgoing | $15.00 |
| Wire Transfers – International Outgoing | $35.00 |
Star Icon Can be waived or refunded with Member Rewards points.
*Fee applies when overdraft is created by check, in person withdrawal, ATM withdrawal, or other electronic means.
**Waived when deposited through RDC.
Fees are subject to change. Ask any Credit union employee for details.
Communications
Working together as the most trusted resource to help our members' financial lives be simply better.