Associated Healthcare Credit Union Fridley – 2 Welcome! We are very excited to have you join Associated Healthcare Credit Union (AHCU). AHCU serves the healthcare industry in 33 counties in Minnesota including hospitals, clinics and healthcare organizations. With assets of $76,000,000, serving over 12,000 members statewide, we are a financially sound and stable cooperative owned by our members. The merger between Bluestone Federal CU and AHCU will be complete on April 1, 2012 when accounts and systems will transfer to ACU. During that time, you will have full access to all the benefits that AHCU has to offer. Please visit to learn more. Enclosed you will find information designed to provide you with important details about your new membership, including: your accounts online access AHCU locations. We hope that the following information answers many of your questions. If you have any further questions or concerns, please contact us or we look forward to serving you. Sincerely, Jerry Ziegler President, Associated Healthcare Credit Union
3 Get started member number Your new AHCU member number will be 6 digits with a 6 prefix added to your current BSFCU member number. For example: Current BSFCU will be AHCU Member Number Checking Number Your checking account number will be modified to a 10 digit account number. For example: BSFCU will be AHCU check number checking number
Associated Healthcare Credit Union Fridley
4 A Account From loan rates to checking, AHCU offers a wide range of products and services to meet your personalized needs. Savings if you have, you will now have what is different Share Savings: Share Savings $10 minimum balance required for membership (instead of $25) and to earn your a suffix dividends (instead of $100). Prime Time Account Share Savings Age 55+ The Happy Birthday Certificate is not available. You can get three free cashier’s checks per month payable to yourself. More than three or payable to others, there is a $3 fee per check. You will get five free ATM withdrawals per month. Additional withdrawals are $1 per transaction. VISA prepaid travel card is available for all your traveling needs. Holiday Club: Holiday Club Minimum balance required: $0. Dividends paid on account with no minimum your H suffix requirement. No withdrawals allowed during the term. Holiday money will be disbursed the first of November each year. Vacation Club: Your V Suffix Sub-Suffix Account Club Savings Club Savings Minimum balance required: $0. Dividends paid on account with no minimum requirement. Youth if you have you will now have what’s different our pebbles our rocks our boulder / free to be me kirby kangaroo kirby kangaroo cow success similar program features. WATCH FOR ADDITIONAL INFORMATION INVESTMENTS IF YOU HAVE YOU NOW HAVE WHAT’S DIFFERENT Share Certificates Step Up Certificate Monthly Income Share Certificates Share Certificates Share Certificates Dividends will pay quarterly and at maturity. At maturity, the credit union will contact you to choose one of AHCU’s current certificate options.
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5 Prime Time Birthday Share Certificate Money Market Premium Money Market With Checking Traditional IRA Savings Roth IRA Savings Coverdell IRA Savings Share Certificates Money Market Money Market Traditional IRA Money Market Roth IRA Money Market Coverdell IRA Money Market Dividends will pay quarterly and at maturity. At maturity, the credit union will contact you to choose one of AHCU’s current certificate options. No checking. No withdrawal fee. If balance falls below the $2500 minimum, a $5 fee will be assessed and interest will not be earned. Money Market IRAs with balances under $2,500 will earn the share savings rate. Traditional IRA Traditional IRA Certificate Roth IRA Certificate Roth IRA Certificate At maturity, the credit union will contact you to choose one of AHCU’s current IRA Certificate options. Checking if you have You will now have what’s different Basic: Your 0 Suffix EZ Checking Benefit: Your X Suffix Free to be Me Prime Time: Your 0 or X Suffix EZ Check EZ Check EZ Check Five free ATM withdrawals per month ($1 For additional), free billpay with at least three bills paid each month ($4.95). Includes standard features* of debit card, estates and access* online. * $4.95 monthly fee will be charged if any of the standard features are not selected. Premium Money Money Market, No Checks, No Withdrawal Fee, If balance falls below the $2500 minimum a $5 market checking: No check fee will be assessed and interest will not be earned. Your 9 suffix
6 Account FAQ 1. When will I receive a new debit or ATM card? You can continue to use your BSFCU debit or ATM card until you receive a new AHCU card. 2. Will my daily card limit remain the same? No. ATM withdrawal limits will increase to $500 per day. Debit card purchases are limited to the lesser of $2000 or the amount in your account. 3. Will there be any other changes when using my ATM or debit card? If you use your ATM or debit card internationally, additional international fees will apply. When visiting countries outside of North America, please notify the credit union to activate your card for use while you are traveling. 4. When will I receive new checks? You may continue to use your BSFCU checks until further notice. 5. When will I receive checking account dividends? Associated Healthcare checking accounts do not receive dividends. 6. How long will my account history be available online? BSFCU transaction history will not be accessible directly through Access* Online. To keep copies of your estates, log in to CUHomeBranch and access your statements through the Statements tab. PDF files are available to view, print or save on your computer or another location. 7. Should I change my direct deposit and electronic payments? No, at this time, electronic payments and deposits should post to your new AHCU account. 8. How do I make deposits or loan payments from another financial institution? You can set up ACH Origination for the first, fifteenth or every other Friday. 9. What if I have an overdraft? If available, AHCU will transfer funds from an account under the same member number (Savings and Club), with an available credit loan or overdraft privilege (if qualified). Important reminder: Your Privacy Policy AHCU ensures that we will not share your personal information with third parties.
7A Access* Online Our free online banking service, Access Online, allows you to conveniently manage your account anywhere, 24/7/365. Enroll in Access online to: View account transaction history Transfer funds Pay bills (transactions after April 1) Check account balances View cleared checks Mobile banking and more! Get up there! 1. Go to 2. Log in (located on the top right) with your new AHCU member number. Use the last four digits of the primary account holder’s Social Security number for your temporary password. You will be prompted to create a new password and set up multi-factor authentication. 3. Once logged in, schedule money transfers, set-up automatic notifications, and more. 4. Sign up for free estates. Receive your monthly/quarterly statement electronically. Once set up, you will be notified by an that your statement is ready for viewing, and you will need to log into Access* Online and go to the Online Services tab. This feature will store up to 12 months of statements. Important Notice: Your online account history BSFCU transaction history will not be accessible directly through Access* Online. To keep copies of your estates prior to 4/1/2012, log on to CUHomeBranch and access your statements through the Statements tab. PDF files are available to view, print or save on your computer or another location. CUHomeBranch will no longer be available after 4/1 / Sign up for FREE BILL PAY under Access Online. Set up bills from your checking account that automatically get paid and sent either by check or electronically. Access Bill Payment to create new payments and schedule payments. Payments can be set up as a single payment or recurring payments. Please note: There is no charge if you pay a minimum of 3 bills each month. Otherwise the fee will be $4.95 per month. IMPORTANT NOTICE: BILL PAY To prepare for this switch, please print all your BSFCU bill payment information on your payees (eg: name of payee, address and account number) before the end of March. This will assist you when you enter them into the new bill payment service and set up your ebills.
8 More About AHCU Savings and Investments Savings offers regular savings, club accounts, holiday club and youth savings options. Certificates of Deposit (CDS) available for a variety of terms, with qualifying minimum deposits. Flexible investments options are available: regular term certificates flex certificate money market accounts up to 6 transfers or withdrawals per month are available and dividends are calculated on qualifying balances and paid to the account monthly. Different tiered rates are available based on the qualifying balance in the account. Individual Retirement Accounts (IRAS) Investment options available include: certificates of deposits, money market and savings accounts in the traditional IRA, Roth IRA and Coverdell Education
