Community Choice Credit Union Member Guide

I’ll spend today cruising in style.
YOUR QUICK GUIDE TO COMMUNITY CHOICE CREDIT UNION
MEMBER GUIDE

Congratulations on your recent vehicle purchase!
Community Choice Credit Union is here for all your savings and lending needs.
In addition to convenient payment options, Community Choice Credit Union offers a
variety of smart products and services designed to save you time and money. From Choice
Checking that includes identity theft protection and discounts from thousands of local and
national retailers, to mortgages with low-down payment options, we have everything you
need to live the life you desire.
Now that you’re a member of Community Choice, we invite you to take advantage of the
benefits of belonging to our credit union. Here’s a quick list of the products and services we
offer.
Prime Share Savings
Basic and
Choice Checking
Money Market
Certificate of Deposit
(CD)
Holiday Savings
IRA
CCIS Investment
Services
Auto Loans
Recreational loans
(RV, marine,
motorcycle, trailers)
Personal loans
Mortgages
Home Equity and Line
of Credit Loans
Visa ® Platinum Credit
Cards
Visa ® Signature
CashBack Credit Cards
ATM/Visa ® debit card
e-Banking/Mobile
Banking
e-Pay
e-Statements
e-Deposit
24/7 Member Contact
Center
CO-OP Network
and shared branch
members
Throughout this booklet, you will find answers to many of the questions you may have,
including how to make a payment, our GetBigReward$ program and much more.
Still have questions? We’ve got answers. Give us a call at 877.243.2528 or visit
CommunityChoice.com.
Welcome. We’re glad you’re here.
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TABLE OF CONTENTS
Community Choice Credit Union Information
Routing Number
Locations
Contact Us
GetBigReward$
Payments
Payment Options
Skip-A-Pay
Grace Period
Automatic Payments
Accessing My Account
e-Banking
Mobile Banking
e-Deposit
Loan Information
Transaction History
ATM Deposit
Update Address
Checking Account
Checking Account Options
Choice Checking Benefits
Overdraft Privilege
Overdraft Protection
Other Products and Services
Credit Cards
Mortgage
Home Equity
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COMMUNITY CHOICE
CREDIT UNION INFORMATION
Q: What is your routing number?
A: 272079021
Q: Where are you located?
A: We have 20 convenient locations throughout the state of
Michigan that complement the areas where our members live
and work. For a complete list of locations and hours, please visit
CommunityChoice.com/locations.
Q: Where are your ATM locations?
A: Your Community Choice membership provides you access
to a network of more than 30,000 surcharge free CO-OP Network
ATMs. To find your nearest ATM location, please visit
CommunityChoice.com/locations.
DID YOU
KNOW
?
Being a member of
Community Choice
Credit Union also
allows you to use
additional shared
branch locations
nationwide.
Q: How do I contact you?
A: Phone number: 877.243.2528 / Fax Number: 248.785.5104
Chat with us online at CommunityChoice.com.
Q: What is GetBigReward$?
A: GetBigReward$ is our way of financially rewarding you for
making the most of your membership. You’ll earn credits based
on your level of qualified participation.
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Q: How can I use my GetBigReward$ credits?
A: GetBigReward$ credits cover any fees a member receives
throughout the year. At the end of the year, any unused credits
will be deposited into the member’s account.
Q: What are the GetBigReward$ levels and the reward
amounts?
A:
REWARD LEVEL
PRODUCTS/
SERVICES
MONTHLY
REWARDS CREDITS
ANNUAL REWARDS
CREDITS
Emerald 8+ $9 $108
Gold
Silver
Copper
6 - 7 $3 $36
3 - 5 $0
0 - 2
Q: What products or services qualify for GetBigReward$
credit?
$0
$0
$0
DID YOU
KNOW
?
Your new auto loan
will help you reach
Emerald level.
A:
SHARES
Checking • Certificate of Deposit (CD) • IRA
Money Market • Prime Share Savings
LOANS
Auto Loan • Home Equity Loan
Mortgage • Recreational Loan
Secured Loan • Unsecured Loan
Visa ® Credit Card
SERVICES
ATM/Visa ® Debit Card • e-Deposit
CCIS Investment Services • Direct Deposit
e-Banking/Mobile Banking • e-Pay • e-Statement
15+ debit card transactions/month
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Q: How does the loan interest rebate work?
A: If you are an Emerald level member on December 31, you will
be eligible for a loan interest rebate. Members can receive up
to 10% of loan interest paid on select loans. These loans include
auto, secured, recreational, and personal loans.
Q: How can I locate my GetBigReward$ level?
A: You can login to e-Banking to view your current
GetBigReward$ level. Additionally, your level is listed on your
monthly e-Statement or paper statement.
DID YOU
KNOW
?
More than
$2.1 million in
GetBigReward$
dollars and credits
were awarded to
our members
in 2016.
Q: How do I get my GetBigReward$ credit?
A: Emerald and Gold members automatically receive a deposit
to their GetBigReward$ share on the first calendar day of each
month.
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PAYMENTS
Q: How do I make a loan payment through e-Banking?
A: To make a loan payment from your Community Choice
account, please login to e-Banking and select “Transfers”. Select
the share you would like to make the payment from as the
source ID and the loan you wish to pay as the destination ID.
Q: Where do I mail my payment?
A: Attach your check to an enclosed temporary payment
coupon and mail to the following location
DID YOU
KNOW
?
Community
Choice Credit
Union employs
the simple interest
method when
calculating the
interest charged
on all consumer
loans.
31155 Northwestern Hwy, Ste. 174,
Farmington Hills, MI 48834
Q: Can I make a payment on my loan from another
institution?
A: Yes, you can pay a loan using your account at another credit
union or bank. For more information, visit CommunityChoice.
com/loans/loan-payment.
Q: What are my other options for making a payment?
A: You can pay by phone at 877.243.2528, or visit one of our
many convenient locations.
Q: What happens when I pay more than the final amount
owed to pay off my loan?
A: When we receive overpayment for a loan payoff, we deposit
the remainder of the funds to your prime shares savings
account.
DID YOU
KNOW
?
To obtain a loan
payoff amount,
please login to
e-Banking and
click on the
“Services” tab.
Select “View loan
payoff quote” to
view your payoff
amount.
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Q: Can I skip a payment on my loan?
A: Community Choice Credit Union offers a Skip-A-Pay program
twice a year for loans in good standing that have originated
within the past 180 days.
Q: What is the grace period for my loan payment?
A: For most loans there is a 10 calendar-day grace period
which includes weekends and holidays.
Q: How do I sign up for automatic payments?
A: If you would like to set up automatic loan payments,
please login to e-Banking, select the “Transfers” tab, and set
a reoccurring payment that can be credited towards your
Community Choice loans.
DID YOU
KNOW
?
Within your
e-Banking page,
you have the
freedom to
customize the view.
Click “Configure
this page” to
organize the
widgets that are
important to you.
Q: How do I make a reoccurring loan payment from another
financial institution?
A: To make a reoccurring payment from another financial
institution, please visit CommunityChoice.com/resources/
online-forms and complete the “Authorization for automatic
debit or credit card transfer” form.
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ACCESSING MY ACCOUNT
Q: What is e-Banking
A: e-Banking is a free tool that allows you to check your
balances, make transactions, view pending holds, or ACHs,
make loan payments, and more.
Q: How do I register for e-Banking?
A: You can enroll in e-Banking from your computer by clicking
the “Register” link next to the login box, or contact an advisor at
877.243.2528.
Q: What is Mobile Banking?
A: Mobile Banking enables you to connect to your accounts
from your mobile phone or tablet. Mobile Banking is a
convenient solution that allows you to track your spending and
manage your account on-the-go.
DID YOU
KNOW
?
To download our
mobile app to your
device, simply text
CCCUMOBILE to
414-11.
Q: What is e-Deposit?
A: e-Deposit is a service available in our mobile app which
allows you to deposit a paper check via a mobile device.
Simply snap a photo of your check and we’ll do the rest.
Q: Where can I find my loan information?
A: Loan information (if applicable) is listed in the “My accounts”
widget within e-Banking. Click on “Info” for balance, payment
due, and additional details.
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Q: How do I see my account transaction history?
A: To check the transaction history of your account, please login
to e-Banking. Once logged into your e-Banking account, locate
“My accounts” and click on the share for which you’d like to
view transaction history.
Q: Can I deposit money at an ATM?
A: To make an ATM deposit, simply insert your ATM/Debit card,
enter your PIN, then select “Deposit” and the share you would
like to deposit to (e.g. savings or checking).
Q: Can I make an ATM deposit when I’m out of state?
A: Yes, you can make an ATM deposit at any ATM that accepts
deposits and is part of the CO-OP Network. To locate a CO-OP
Network ATM, please visit CommunityChoice.com/locations.
DID YOU
KNOW
?
You can download
your transaction
history. Login to
e-Banking and
navigate to the
transactions
tab. Click on the
download link and
select the filters for
the information
you would like to
download.
Q: Can I update my address online?
A: Yes, you can change your mailing address within e-Banking
at any time. Simply login to e-Banking and click on the “Services”
tab. Select the “Update address, phone and email” link and
submit your updated information.
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CHECKING ACCOUNT
Q: What are my checking account options?
A: Community Choice offers two checking options: Choice
Checking is our premium checking account that provides
numerous benefits designed to help you bank smarter and
keep you and your family 1 secure. Basic Checking is our
standard free, no-frills checking account.
Free e-Banking,
e-Pay, e-Deposit
Free Visa ® debit card
Withdrawals
from over 30,000
surcharge-free
CO-OP ATMs
IDProtect ®* : identity
theft protection
service¹, daily credit file
monitoring and auto
alerts
Free paper statements
Earn interest on
balances of $2,500
and up
Cell phone protection 2
Debit Advantage
buyers protection
and extended
warranty 2
$hopping Rewards*
Health discount
savings 3*
Travel and leisure
discounts *
Basic Checking
(no monthly fee)
Choice Checking
(just $5.95/month)
DID YOU
KNOW
?
If you’re earning
GetBigReward$,
your monthly
Choice Checking
fee can be
reimbursed
through the credit
you earn.
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Overdraft Privilege is a service offered to pay transactions that
exceed your available balance, up to an established limit. Your
Overdraft Privilege limit is based on your FICO Score and may
range from $0 - $2,500.
Overdraft Protection may transfer funds from the selected
savings account(s) in the event you overdraw your checking
account.
Q: How do I add a checking account to my membership?
A: Simply login to e-Banking, click the “Services” tab, then click
“Choose your checking account.” Select Choice Checking, or
Basic Checking and confirm.
DID YOU
KNOW
?
When you select
your checking
account, there
are no changes
to your account
number, checks, or
debit cards.
*Registration/activation required.
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IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and
their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and
their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer”
on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and
their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor
trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member,
and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25
years of age and parent(s) of the account holder who are residents of the same household.
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Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the
policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company
named on the certificate of insurance.
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This is NOT insurance.
Insurance Products are not insured by NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the Credit Union or any credit
union affiliate.
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OTHER PRODUCTS AND SERVICES
Q: Do you offer credit cards?
A: Yes we offer a variety of Visa ® credit cards for both
individuals and business. For more information, please visit
CommunityChoice.com/loans/credit-cards.
Q: What are some of the benefits to a Community Choice
credit card?
A: A credit card from Community Choice combines
convenience with a competitive interest rate. Plus, our members
enjoy annual fee or balance transfer fee, along with enhanced
card security and card controls from our mobile app.
Q: What are your mortgage options?
A: At Community Choice Credit Union, we offer a variety of
mortgage options so you can choose one that best fits you and
your budget. We offer conventional, FHA, VA, RD, MSHDA, and
refinancing. Plus, enjoy zero or low down payment programs. To
learn more, visit CommunityChoice.com/loans/mortgages.
DID YOU
KNOW
?
Refinancing may
lower your monthly
payments, lower
your interest rate,
or reduce the term
of your mortgage.
Q: Do you offer mortgage pre-approvals?
A: Yes, mortgage pre-approvals are available to help add
peace of mind as you are searching for a home.
Q: Do you offer Home Equity Loans?
A: We offer a Home Equity Loan, and a Home Equity Line of
Credit. Our Home Equity Specialists can walk you through the
application process to determine which loan best suits your
needs. Visit CommunityChoice.com/loans/home-equity for
more information.
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