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Fortune Teller | A publication for members of 1st MidAmerica Credit Union
Winter 2014
In this issue Fed Up with Checking Fees?

Shared Branching, Convenience Away from Home

Don’t Tax My Credit Union

We’re Helping Keep Your Vehicle on the Road

Foreign Exchange Now Available

Protect Yourself Against Fraud

Keep Saving with Sprint

Links Locations

Contact Us
Easy account management with e-services

Manage your accounts anytime, online and from your mobile phone. Whether logging into your account with e-Teller or with a smart phone, you can

  • Check account balances
  • Review account activity
  • Transfer funds
  • Make loan payments
  • Pay bills

With a regular mobile phone, you can check account balances and history through text messaging.

You can also set up email and text alerts, allowing you to set alerts on your accounts. These alerts can be sent via email or text, notifying you of balances, withdrawals, payments and more.

And don’t forget to sign up for e-Statements through your e-Teller access. Electronic statements include a monthly summary of your account activity. You receive them more quickly and securely than traditional paper statements that may arrive up to a week later due to processing and mail delivery.

Just log on to e-Teller, click on the Self Service tab, then select e-Statements to sign up. Not yet an e-Teller user? Call us today to get signed up for this free, convenient way to access your account information online.

Fed up with checking fees?

Has your bank started charging new fees on your checking account? If you’ve been wondering whether free checking really does exist anymore, join the thousands of local of residents that have opened a FREE 1st MidAmerica checking account!

We offer a free checking account that has convenient access. From online banking with monthly e-Statements to debit card access and thousands of surcharge-free ATMs, the 1st MidAmerica checking account makes managing your daily finances simple. And when you open your account, you’ll receive a free custom debit card.

Switching accounts can be easy. We’ve developed a simple, five step process that allows you to switch your accounts to 1st MidAmerica with ease. Visit us at any location to see just how easy it is to switch to a 1st MidAmerica checking account from another financial institution!

Other membership fees may apply to your accounts. Please review your account disclosures for all information.

Shared branching, convenience away from home

We have joined the shared branching network, and share in over 6,400 branch locations so you can conduct financial transactions where you live, work or travel. No matter where you may be on the road, your credit union is now as close as the nearest CU Service Centers® location.

With so many convenient locations, you will be able to access your credit union account even if you travel or relocate hundreds of miles. Your membership and accounts remain with us, but you can access your account and conduct business at any of the 6,400+ convenient branch locations.

Anywhere you see the swirl you can conduct a range of transactions, such as deposits, withdrawals, loan payments, transfers, or purchase money orders, travelers checks and official checks.

To take advantage of this service, when you enter a shared branch you only need to bring your home credit union’s name, your account number, and a valid government-issued photo identification, such as State Driver’s license or US Passport.

For list of all participating locations, visit www.branchnearyou.com.

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Don’t Tax My Credit Union

The federal deficit, combined with ongoing attempts by the bankers’ associations, has lawmakers eyeing the tax-exempt status that has helped 1st MidAmerica and thousands of other credit unions provide a secure place for your finances since 1934.

If you appreciate our service and member-owned structure, consider sending a brief note to your elected representatives in Washington, D.C. It’s easy, and only takes a minute—just click on “Contact Congress” on this site: www.DontTaxMyCreditUnion.org.

Your support can make a difference in keeping the credit union difference!

As a part of the credit union, you are a part of a not-for-profit financial cooperative, just like 96 million other Americans who are members of credit unions nationwide. And while we may offer services similar to a bank, there are important differences:

  • Banks exist to make a profit for shareholders. Not-for-profit credit unions invest profits back into the cooperative, offering more favorable rates and fewer fees. The difference is substantial, amounting to more than $100 per household each year!
  • Our members are our owners, and you are the ones who benefit from credit union earnings: through lower loan rates, better than market dividends, convenient service, and the many programs that we offer to enhance your financial lives.
  • At 1st MidAmerica, and other credit unions across the country, board members believe so strongly in the credit union cause that they serve as volunteers!
  • Credit unions do pay taxes. We pay property taxes on each of our buildings to support local schools, libraries, fire departments, police, and other necessities. We also pay payroll and sales taxes. But not-for-profit organizations do not pay a federal tax on earnings, because our profits are continually cycled back into the credit union to benefit you, our owners. It’s been that way since Congress passed the credit union act in 1934—the year 1st MidAmerica was founded.

If you enjoy the difference you gain by being a credit union member, please be a part of keeping the difference, just click on “Contact Congress” on this site: www.DontTaxMyCreditUnion.org, and drop a quick letter to your legislators.

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We’re helping keep your vehicle on the road

Even the most reliable vehicle can develop a mechanical problem. That’s why we’ve partnered with Route 66 Warranty to provide you with a complete line of coverage designed to keep your vehicle on the road.

No matter where you travel in the United States, a Route 66 Warranty protects you against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts and labor. From Drivetrain Coverage to more Deluxe and Factory Type Coverage, a variety of plan options are available. All of the plans come with 24-hour/7 days a week Emergency Roadside Service.

We can accommodate members who would like to purchase a warranty and already have an auto loan with us, but without an existing warranty, or members who may have an auto loan at another financial institution. Call to speak to a Financial Services Representative today for more information on this great service!

Complete terms and provisions are contained within each Service Agreement.

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Foreign Exchange now Available

Traveling outside the country? We’ve partnered with ezforex to bring you an easy solution for ordering foreign currency. It simplifies your shopping experience by offering over 125 foreign currencies delivered securely via UPS to your home or office.

  • No Hidden Fees — You only pay the current exchange rate plus shipping
  • Delivery — Once the payment clears, the order is shipped for the next business day delivery
  • Notification — You receive a courtesy call and an email to alert you that your order is on the way

Follow this link to order your foreign currency or learn more. Some restrictions may apply.

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Protect yourself against fraud

Fraudsters are always in full attack mode and are prowling for unsuspecting victims. Here are a few tips to help keep your money and identity protected.

  • Monitor your financial statements and online banking regularly. Review transactions for purchases or anything out of the ordinary.
  • Beware of downloading sneaky apps. Smartphone applications may allow access to your personal information, messages, contacts, email, or photos. Be sure to read the privacy policy of each application before downloading and know what information you’ll be sharing.
  • Be vigilant when responding to special holiday offers, especially online. Know who you’re dealing with and avoid suspicious websites. And always be cautious when providing personal information for purchases.
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Keep saving with Sprint

Verify Your Credit Union Membership to Keep Saving with Sprint 1st MidAmerica is pleased to offer monthly wireless discounts to our members with the Sprint Credit Union Member Discount. If you’re already enjoying the savings from this Invest in America program, we want to make sure you continue to do so. Periodically, Sprint needs participants to verify eligibility so they can receive the discount and waived activation fees. If you’re planning on signing up for the Sprint Credit Union Member Discount, you’ll need to verify eligibility as well.

New Sprint Customers: You need to verify membership within 30 days of activation.

Current Sprint Customers: You need to provide proof of discount eligibility (credit union membership) when you upgrade your device if it has been 20 or more months since you last validated.

Members can now verify credit union membership using the free Invest in America app with its simple and secure verification process. And it takes just a few minutes to complete. Verification will make sure you’ll continue to receive the great benefits and exclusive savings that Sprint offers credit union members.

The Invest in America app is available in the Apple App Store and Google Play—just search for “Invest in America.” This app also lists all other Invest in America discounts.

Please take the time to download the free app, try it for yourself and see just how simple it is to use it so you can keep saving with the Sprint Credit Union Member Discount. If you’d rather fill out the verification form and fax it in, you can find the form here at LoveMyCreditUnion.org/Sprint.

Learn more about the Sprint Credit Union Member Discount at LoveMyCreditUnion.org/IIA-Application.

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Presidents’ Day | Monday, February 17

Remember, your Visa® Debit card, e-Teller and ez-pay, and Member Line Audio Response service are available day and night, seven days a week, even when our offices are closed.

731 E. Bethalto Drive
Bethalto, IL 62010

419 N. Shamrock Street
East Alton, IL 62024

3553 College Avenue
Alton, IL 62002
1611 Troy Road
Edwardsville, IL 62025

5301 Godfrey Road
Godfrey, IL 62035

300 W. County Road
Jerseyville, IL 62052
1795 E. Edwardsville Road
Wood River, IL 62095

19301 East Valley View Parkway
Independence, MO 64055

Member Line
Audio Response


Federally insured by NCUA

All members are invited to the annual membership meeting.
March 5, 2014
7:00 p.m.
Bethalto Branch
731 East Bethalto Road, Bethalto, IL 62010
Chairman of the Board
Ted Klasner

Vice Chairman
Rose Gibson

Dex Paddock

Don Reedy

Alan Meyer

Senior Vice President/CFO
Bob Blacklock


and growing

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