October 2024
View the PDF version of our October 2024 newsletter: WMCU October 2024
Holiday Closings
West Michigan Credit Union offices will be closed the following dates:
- Monday, October 14th
- Monday, November 11th
- Thursday, November 28th
- Friday, November 29th at 1pm
- Tuesday, December 24th at 1pm
- Wednesday, December 25th
- Tuesday, December 31tst at 1pm
- Wednesday, January 1st, 2025
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, 2024, 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, 2024 for Angel Tree, Toys for Tots, and Project Christmas. 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.
2025 Board of Directors
We have 3 incumbent board positions up for re-election in the 2025 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, 2024.
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 18, 2025.
Wallet, Meet the Future
You can now add your WMCU debit and credit cards to your digital wallet! Your card details can be added to Apple Pay™, Google Pay™, and Samsung Pay™. Adding your West Michigan CU debit and credit cards to your digital wallet makes using your account safe, secure, and simply better. To learn more about digital wallets and the benefits, visit:
Find Surcharge-Free ATMs Near You
Beginning January 1, 2025, NYCE Network (previously known as the Jeanie Network) ATMs will no longer be surcharge-free. West Michigan Credit Union is now partnered with the Co-Op Shared Branch and ATM Network. The Co-Op Network has over 30,000 surcharge-free locations to choose from! Find a location near you today and other important information by visiting:
Fee Schedule
Effective January 1, 2025.
| 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 | $5.00 |
| Star Icon | Credit Union Corporate Check (1 free/ mo) | $5.00 |
| 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 | $100.00 | |
| Garnishment/Levy | $50.00 | |
| 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) | $2.00 ea |
| Star Icon | Non-Sufficient Funds Fee – Per Presentment | $30.00* |
| Overnight Fee | $35.00 | |
| 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 | $20.00 |
| Wire Transfers – International Outgoing | $40.00 | |
| Wire Transfers – International Incoming | $12.00 |
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.