Member Financial Services (MFS)

Member Financial Services is a personal financial management program designed exclusively for credit union members. The MFS center offers a variety of protection and investment plans that complement the savings programs offered by the credit union. Together, they can provide a total package to help you realize your full financial potential.

TransUnion Credit Reporting Service

See your credit report and credit score online! Easy-to-read report with personalized tips on ways to improve your credit rating and protect your credit. The Consumer Credit Report is a snapshot of your credit history according to one major credit bureau. Its generally recommended that you check your credit history once a year - from all three bureaus, to protect against a variety of issues, like identity fraud.

ATM

ATM machines are available on site at Suring, Oconto Falls and Oconto offices, 24 hours a day, 7 days a week. These machines may be accessed free of surcharge with the N.E.W. Credit Union MasterMoney™ debit card or the N.E.W. Credit Union MasterCard™ credit card. N.E.W. Credit Union ATM machines may also be accessed by any plastic bearing the Discover / Novus / MasterCard / Cirrus / Pulse or Tyme logo for a small fee. N.E.W. Credit Union is also a partner of the “Alliance One” program. Therefore any ATM bearing this logo can be accessed by a N.E.W. Credit Union MasterMoney™ debit card or a N.E.W. Credit Union MasterCard™ credit card free of surcharge (use link for locations).

N.E.W. at Home (Online Banking)

With the on-line banking you have fee free access to your account 24 hours a day seven days a week. HFS allows you to perform routine credit union transactions over the internet. All transactions are done in real time. They are completed as soon as you receive a confirmation. You can obtain account balances, transaction information, transfer funds between shares, loans, & another N.E.W. Credit Union members shares account. With this program you may also apply for a loan or MasterCard on-line and determine your pre-approval status.

A.R.T.

With the Automated Response Teller you have fee free access to your account 24 hours a day, seven days a week. A.R.T. allows you to perform routine credit union transactions with a touchtone telephone at 920-848-2666 or toll free 888-825-8035. These are some of the things you will be able to do:

- make balance inquiries - transfer money between accounts - make loan payments - do share check withdrawals - obtain account information - find out current rates - - change your access code.

Direct Deposit

Credits and debits to accounts can be posted through the Electronic Funds Transfer System (also known as Automated Clearing House). This offers safety, convenience and time-saving for members with no extra fees. Net check deposits for payroll, retirement funds, government payments and others can be directly deposited into either share savings or share draft checking. If desired, our computer can then split the deposit into any account at the credit union, such as Christmas Club, loan payments or other special deposit accounts. Direct debits from insurance companies, health clubs, investment funds and others can be deducted from share draft checking accounts. Members can also set up direct debits from their accounts at other institutions for loan payments, savings deposits or other deposits to credit union accounts.

Payroll Deduction

Payroll deduction can be used for various means. It is an easy, convenient way to save for a rainy day, vacation, retirement, Christmas Club or deposit into an Individual Retirement Account. You can also arrange to purchase a U.S. Savings Bond each month with payroll deduction. Payroll deduction is a great way to make loan payments. Having a certain amount deducted from your payroll check is seldom ever missed. It normally shortens your loan term and you pay less interest over the term of the loan with weekly or bi-weekly payments. Your credit rating is being protected with timely payments and you have the peace of mind knowing that you don't have to make a trip to the credit union on a certain day of the month to make your payment.

Safe Deposit Boxes

Safe deposit boxes offer a secure, convenient and accessible means to store valuables. Boxes are located at the main office, 301 Jackson Street, Oconto Falls, Oconto branch, 405 Pecor Street, Oconto, and at the 717 East Main Street, Suring.

Money Orders

Even if you have a share draft checking account at the credit union, there may be circumstances where you need a guaranteed method of payment. If this is the case, members can purchase money orders for a low fee.

Travelers Cheques

An American Express Travelers Cheque is a payment instrument that can be used to purchase goods and services around the world. Unlike cash, if cheques are lost, stolen or destroyed, they can be replaced. Cheques for one or for two authorized users are available. The cheques come in denominations of $20, $50 or $100. Ease your mind while traveling by using American Express Travelers Cheques. There is a small fee to purchase these cheques.

Gift Cheques

American Express Gift Cheques are a thoughtful, elegant way to give money as a gift. The cheques are gold in color and come with an engraved card and gold envelope. They come in denominations of $25, $50 and $100 and can be used virtually anywhere American Express Travelers Cheques are welcomed. They are also refundable if lost or stolen. There is a small fee to purchase gift cheques.

Electronic Bill Payment

Electronic Bill Payment is a service available to members who have a share draft checking account. It is a simple and convenient way to pay your monthly bills electronically. All you have to do is verify that the amount you have been billed is correct, and then schedule the payment. The credit union will do the rest. You can also schedule recurring payments of the same amount. By retaining the contact information of the payee, your bill payment history speeds the process of paying billed amounts that vary from month to month. Payments should be requested no less than five business days prior to the bill's due date to ensure they are received on-time. If you have any questions or would like to sign-up for this service, please contact your credit union.

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