Welcome! SameSmiles MoreOptions

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1 Welcome! SameSmiles MoreOptions LENDER NMLS# FIRST CLASS PRSRT. US POSTAGE PAID GRAND RAPIDS, MI PERMIT NO Charlotte Highway Portland, MI 48875

2 Welcome to PFCU! On July 1, 2018, SageLink Credit Union officially merged with PFCU. The staff and management at PFCU are honored to serve the loyal members of SageLink Credit Union and appreciate the confidence you have placed in us. This merger has joined two Credit Unions with a common goal and purpose to provide you, the member-owner, with personalized, friendly service and innovative banking technologies all while maintaining the hometown service you have come to expect. We look forward to partnering with you to help you reach your financial goals. Important Dates September 17, 2018: Your new PFCU Debit card will be mailed to the address we have on file, this will replace your existing SageLink Debit or ATM Card. September 28, 2018: The following locations will be closed at 5:00 PM due to system conversion; Van Slyke, Genesee Valley, Durand, Swartz Creek, Corunna and Owosso, this includes ITMs and member support at these locations. Branch Contact Information As of October 1, 2018, you can contact any PFCU location by calling us toll free at (844) All SageLink, A Division of PFCU branch phone numbers will no longer be in service. That includes the following numbers. Phone Numbers Discontinued as of October 1, 2018 Phone Numbers (989) (810) (517) (800) Locations Telephone Teller (989) (810) (517) (800) Portland - Headquarters 9077 Charlotte Highway Portland, MI Toll Free: Caledonia 9864 Cherry Valley Ave. SE Caledonia, MI Fax Numbers Main Fax (989) Collections (989) Lansing 644 Migaldi Lane Suite 100 Lansing, MI September 29, 2018: The following locations will be closed due to system conversion; Van Slyke, Genesee Valley, Durand, Swartz Creek, Corunna and Owosso, this includes ITMs and member support at these locations. September 30, 2018: This will be the last day that you can utilize your SageLink Debit or ATM Card. October 1, 2018: This will be the first day you can activate your new PFCU Debit or ATM Card. Note: even though you will receive your card prior to October 1st, you will not be able to activate this card prior to this date. October 1, 2018: You will be able to access your PFCU account Corunna 898 West Corunna Avenue Corunna, MI Durand 311 N. Saginaw Street Durand, MI Genesee Valley 3378 Lennon Road Flint, MI Ionia 4035 S. State Road Ionia, MI Lake Odessa 2025 Lapo Road Lake Odessa, MI Lowell Fulton Suite 700 Lowell, MI Owosso 1465 North M-52 Owosso, MI Swartz Creek 9189 Miller Road Swartz Creek, MI Van Slyke G-3311 Van Slyke Road Flint, MI Westphalia 102 W. Main Street Westphalia, MI

3 Bill Pay Bill Pay is a quick way to pay your bills online through your PFCU checking account and is accessible through PFCU s Online Banking. If you are currently registered with the Sage Link, A Division of PFCU s Bill Pay service, your current payees and designations should migrate over to your new PFCU Bill Pay service automatically. Please pay special attention to this area to ensure the payments are properly scheduled and continue without interruption. If a payee is missing or it did not properly migrate through the conversion, please set up the payment again in Bill Pay. All payments using Bill Pay will attempt to be delivered electronically. If your payee cannot accept electronic payments, a check will be mailed to the payee. The Bill Pay system will tell you the approximate delivery date of your payment. If you have any questions on this service please contact the credit union directly. Mobile Banking Download our free mobile app today! Visit your app store and search for PFCU4ME Mobile. Launch the app Input the same username and password that you use for Online Banking. Manage your account Note: You must be signed up for and have used Online Banking on a computer to have the ability to access the app. Account Numbers As of October 1, 2018 your existing SageLink, A Division of PFCU account number may change. To ensure your account information remains safe, we are not sending your new account number in this welcome packet. However, please see the diagram at the bottom of the page to discover your new account number. All PFCU account numbers will be 8 digits long. If your existing SageLink account is already 8 digits there will be NO CHANGES to your account number. If your existing SageLink, A Division of PFCU account number is less than 8 digits please utilize the diagram at the bottom of this page: Your new account number will start with a 1 and fill in with 0 s until your number begins: Example: Your existing account number is Add a 1 at the front and fill in the remaining open spaces with 0. Making your new PFCU account Your Account Number 1 Step 1 Fill in your current account number in the last several boxes Step 2 Fill in zeros for the remaining empty boxes in the middle PFCU s routing number is

4 PFCU Account Statement Your PFCU deposit accounts will be accompanied by a regularly scheduled statement. You can declutter by electing to receive e-statements OR you will receive paper statements to reflect all of your account activity. NOTE: You will receive two statements for September. The first will reflect all activity that takes place September 1 through September 28 as a SageLink, A Division of PFCU account. The second will reflect activity September 29 and September 30 as a PFCU account. Christmas Club Accounts As of October 1, 2018, your existing SageLink, A Division of PFCU, Christmas Club account will switch to a PFCU Christmas Club account. Your new Christmas Club does earn interest monthly. Christmas Club checks will be disbursed October 20, Certificate of Deposit/IRA Certificates of Deposit If you currently have a SageLink, A Division of PFCU, Certificate of Deposit or IRA Certificate, they will transfer to PFCU accounts on October 1, 2018, with the same rate, term and maturity date. They will also automatically renew on maturity date. Prior to the maturity date, we will send you a notice. Your September interest paid will be reflected on two statements as two different postings which will total your interest for one month. The first posting will occur September 28, 2018 and the second will occur the following month. Safe Deposit Boxes PFCU has several locations that offer safe deposit boxes. These locations include; Portland, Ionia, Westphalia, Lake Odessa Lansing, Durand and Swartz Creek offices. All locations do not have all the sizes available and pricing does vary. Please visit the website for complete details. PFCU Deposit Accounts On October 1, 2018, your current SageLink, A Division of PFCU deposit accounts will convert to PFCU deposit accounts. You may begin using any PFCU branch to conduct your banking on October 1, SPECIAL NOTE Any scheduled transfers currently set up in online banking will not convert over to your new PFCU Online Banking. Transfers could include, but are not limited to, loan payments, incoming money from another financial institution designated for a specific PFCU account or outgoing transfers to another financial institution. E-alerts WILL NOT transfer over during the conversion. This means that you WILL NOT receive any preset alerts and will need to set them up as new alerts to continue the service. Online Banking Features Text Banking Manage money anywhere! Text short-codes to get account information sent directly to your phone. MoneyDesktop Accounts here and there? Manage all of your accounts from multiple institutions in one convenient platform. Alerts Stay in the know. Receive near real-time notifications right on your mobile device. Account Management Customize your experience. Create accounts, change addresses, and update account information anytime. Person to Person Payments (P2P) No more IOUs! Send money directly to anyone, from the babysitter to your college student. Remote Deposit Capture (RDC) Use your mobile device to deposit your check! 3 12

5 Online Banking PFCU is proud to offer an online banking platform that provides you the ability to bank anytime, anywhere, from any device conveniently and securely. To begin the login process for PFCU Online Banking, you will need to visit and select the login icon located on the upper right-hand corner of the homepage. When the login page comes up, enter your existing SageLink, A Division of PFCU username and password. PFCU Debit Card Your SageLink, A Division of PFCU ATM or Debit Card will be replaced by a PFCU Debit Card. Watch your mail around September 17, 2018 for information we are sending to all members that currently have a SageLink, A Division of PFCU ATM or Debit Card. In addition to receiving your new PFCU Debit card, you will also receive detailed instructions on how to activate your card and set up your Personal Identification Number (PIN). We are pleased to let you know that all of this can be done easily over the phone and at your convenience on on or after October 1, Please destroy your old card at the same time. If you would like, you may bring your old Debit or ATM card to any of our 13 locations for secure disposal. Your current SageLink, A Division of PFCU ATM or Debit card will be valid until 11:59 PM on Sunday, September 30, Once your credentials are entered, you will be prompted to retrieve a secure access code. This is an additional security measure to validate your account within the online banking system. Once you receive the notification you will need to enter the access code in the space provided. From there you will follow the prompts to set up a NEW password, read and accept the required disclosures and verify your profile. Once logged in, here s what you can expect: Your PFCU account access is based on your Social Security number rather than your account number. This means that if you are authorized to make transactions on an account, you will be able to see the account in your online banking options. For example, if you have a child or spouse and you are on their account, you will now be able to see their account along with your own accounts, in one screen, without needing to log in with a different username and password. Your new Debit card must be activated before it is usable, but not until Monday, October 1, If you do not receive your new Debit card by September 24, 2018, please contact PFCU directly either in person at one of 13 locations or toll free at (844) MobiMoney P2P Mobile Payments MobiMoney is a free mobile app available to all PFCU members that offers cardholders a convenient way to monitor, maintain and manage your PFCU Debit Card activity anytime, anywhere directly from your mobile phone. Added Features Person-to-person payments (P2P). This payment solution gives you the ability to pay anyone quickly, easily and securely from any device! Making payments with your PFCU debit card is easier than ever with Apple Pay, Samsung Pay and Google Pay, now available for both Debit and Credit Cards at PFCU! 11 4

6 Checking Accounts PFCU offers free checking accounts with no minimum balance requirement, no per-check charge and no monthly service charge. All SageLink, A Division of PFCU, checking accounts will be will be automatically transferred to a PFCU free checking account. We also provide interest bearing checking accounts, called Checking Plus, that have a minimum balance requirement of $1,000. If you would like your checking account to be a Checking Plus account please contact us on or after October 1, 2018, and we will make that switch for you. Overdraft Protection (Courtesy Pay) Few things are more embarrassing than picking up the tab at dinner only to have your card declined for lack of funds. PFCU s Courtesy Pay has you covered with overdraft protection. PFCU offers Courtesy Pay and overdraft protection at the discretion of PFCU based on how you manage your account. NOTE: If you currently have over draft protection on your SageLink, A Division of PFCU account than your coverage will automatically continue on your PFCU account. PFCU charges a standard non-sufficient fund fee (currently $25) for each item that draws your account negative. You have 30 days to bring the account current through deposits made by funds transfer, direct deposit or a deposit made in person or by mail. You are eligible for Courtesy Pay once your account has been active for 30 days and you ve attained total deposits equaling $1,000. If you wish to opt out of the Courtesy Pay program, simply contact our member service department and your Courtesy Pay limit will be removed. Now Available Money Orders and Cashier s Checks PFCU offers both Cashier s Checks and Money Orders as a convenient payment option. These can be purchased at any PFCU location as of October 1, Cashier s Checks $3.00 Money Orders $2.00 Mortgages Home Sweet Home. Finding the perfect piece of real estate in Michigan is a great achievement for you and your family. PFCU offers many choices to fit your mortgage needs. Our lending professionals with strong industry experience, will guide you through the quick and easy application process. PFCU offers mortgages for purchases, new construction, refinancing and land loans. Already own your Home Sweet Home? Put your house to work for you with a low interest Home Equity Loan or HELOC. Contact our mortgage department today to discover our low rates and find the solution that works best for you! 9077 Charlotte Highway Portland, MI Business Lending PFCU has the tools to help your business succeed! From commercial real estate, rental properties, equipment loans, construction loans and lines of credit, PFCUs business lending experts can help your business thrive with financial products and services from PFCU Charlotte Highway Portland, MI Contact Information mortgages@pfcu4me.com Fax: Toll Free Number: Contact Information business@pfcu4me.com Fax: Toll Free Number:

7 Mastercard Credit Card If you currently have a SageLink, A Division of PFCU Credit Card, please continue to use that card until further notice. At this time, we are looking to issue PFCU Mastercards to all current SageLink, A Division of PFCU Card holders in April, As we firm up details on that process, we will be sure to communicate all pertinent details to you in future correspondences. For now, continue utilizing your existing card. Important Notice Once the conversion takes place on October 1, 2018 you will be able to access your credit card account from a link within PFCU Online Banking. You will be required to set up a new profile at the time of first login. When you set up this new profile, you will create a whole new account access, this means that you WILL NOT have access to any previous activity history from the Sage Link, A Division of PFCU Mastercard. While you won t be able to access this information, you can call the credit union directly and we can help retrieve any historical account information you may need. Loan Accounts Any existing SageLink, A Division of PFCU loan accounts you have will automatically be switched over to PFCU loan accounts on October 1, Your rate and term will remain the same. Please see your PFCU statement for your loan numbers. NOTE: If you have credit life or disability insurance on your loan, you will receive documentation about additional coverage changes. These changes will go into effect October 1, CO-OP Network PFCU participates in the CO-OP Network which allows members to use participating financial institutions and ATMs throughout the United States to conduct transactions. Look for this logo on ATM s to use the ATM surcharge free Look for this logo at participating financial institutions to use their location to conduct your banking Checks You may use your existing SageLink checks after the conversion on October 1, 2018 through September 30, When your existing checks go through our clearing house, they will automatically be transferred to the PFCU name and routing number and will still clear your checking account with the same check numbers. If you continue to use your existing SageLink checks, you will not be able to view images of your checks in online banking. PFCU will cover the cost of 50 new basic checks if you order them through PFCU online banking, calling us toll free or visiting one of our offices. For free basic checks, you must complete your order request by January 1, When ordering checks through online banking, the default starting check number will be If you know the last check number of your existing checks, you may enter your actual next check number by writing over the 2001 number listed. If you wish to have the joint member on your checking account checks, you will need to add the joint members name when ordering. Please also confirm all other details such as correct address when finalizing online check ordering through online banking. You may also order new checks through another source, but PFCU will not cover any of these costs. If you order new checks through another source, you must provide them with the PFCU name, your NEW account number along with your NEW routing and transit number, which is Your existing SageLink checks will no longer be valid to use after September 30, You may order new PFCU checks any time after October 1, You can bring your old SageLink checks to any office and we will safely dispose of them. Telephone Banking On October 1, 2018 anyone who would like to utilize telephone banking can continue to do so with PFCU. To access your account information dial toll free OR

8 Foreign ATMs You are allowed five (5) free ATM transactions per month at foreign ATM locations including foreign CO-OP Network ATMs; that is any ATM not owned by PFCU. Each additional transaction will be assessed a $1.50 transaction fee per use. Remember, using any PFCU-owned ATM is always free to members. Visit to view a full list of PFCU ATM locations. NOTE: With this transition, you may notice the ATM display at Sagelink, A Division of PFCU locations will have a different look. Direct Deposit Service PFCU will be changing all ACH deposits and withdrawals to our routing number and your new PFCU account number. If you encounter a problem with your direct deposit service, please contact the credit union toll free at (844) Important Notice Savings Withdrawal & Transfer Limits Federal Reg D Regulation D and its effect on your Deposit Accounts Regulation D was implemented by the Board of Governors of the Federal Reserve System, whose job it is to ensure that financial institutions maintain adequate reserves for the funds they have on deposit. Regulation D limits the number of transactions that PFCU may allow on your deposit accounts to 6. Deposit accounts are: Savings, Money Market & Trusts. Federally Regulated withdrawals/transfers from Deposit Accounts (Limited to 6 per month) Non-Regulated withdrawals/transfers from Deposit Accounts (Unlimited) NOTE: Your deposits will be allocated at the same time the deposit occurs. That means if you had automatic transfers set up on your account to pay on loans or split into another savings account etc., these will now occur automatically and your account balance will reflect the amount left after the allocations have been completed. EXAMPLE: You typically have $600 deposited into your checking account. From this money, you have $200 set up to automatically pay on another loan. Currently, you see the $600 deposited and then $200 transferred within the same account. Moving forward, the $200 payment will be made directly to the loan account, leaving the remaining $400 as what will be deposited into your standard deposit account. Current Rates You can view our current rates on our website at OR you can contact PFCU directly either in person at one of 13 locations or toll free at (844) ACH from deposit account (preauthorized automatic EFTs) HOME BANKING - transfer from deposit account to other accounts or third parties NSF transfers to Checking TELEPHONE TRANSFERS (by audio response or by operator) After 6 Regulated withdrawals and transfers per month, PFCU will refuse* the transactions that are not in compliance with Regulation D. *NOTE: Checks may be returned and fees applied ANY ATM Transaction ANY In-person transaction ANY mail or night-drop transaction ANY transfer from a deposit account to repay on a PFCU loan Checking (share draft) accounts are not considered deposit accounts; they are transaction accounts and there are no limits to the number of withdrawals that can be made. 7 8