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[{"title":"update 2.19.25 Important Update on Android Mobile App","description":"**UPDATE** Resolved 2.25.25Thank you for your our patience and understanding during that time.Important Update on Android Mobile AppCurrent IssueWe have been made aware that there is an issue affecting our Android Mobile App in conjunction with Google services. We understand theinconvenience this may cause, and we sincerely apologize for any disruption this has brought to your daily activities.Please rest assured that we are actively collaborating with Google to resolve this issue as quickly as possible. Our technical team is dedicated to ensuring that the app is restored to full functionality.Alternative AccessIn the meantime, you can still access your account seamlessly by using the website login for Home Banking. This alternative provides you with all the necessary features to continue managing your account without interruption.Thank YouWe appreciate your patience and understanding during this time. Your satisfaction is our priority, and we are committed to resolving this issue promptly. ","datecreated":"2%19%2025,11%47%14","datemodified":"2%26%2025,9%39%57"},{"title":"Visa Online Access Instructions","description":"We have step by step instructions to help you with your Visa Online Access Enrollment and Login. If you need assistance, Please give us a call in the office.   ","datecreated":"2%10%2025,10%56%40","datemodified":""},{"title":"HSA Benefits and Potential Letter Part 2","description":"HSA Benefits & Potential part 201.17.25Dear HSA Account Holders - check out all this great information!UNLOCK THE BENEFITS OF YOUR HSA ACCOUNT TODAYA Health Savings Account (HSA) is not just a savings tool; it's a strategic asset designed toempower you in managing your healthcare costs while enjoying significant tax benefits. If you'recontemplating opening an HSA or are already a holder, mastering its usage can elevate bothyour financial planning and healthcare strategies.This email will help walk you through the essentials of navigating your HSA effectively. An HSA isspecifically tailored for individuals enrolled in a High Deductible Health Plan (HDHP), allowing youto set aside pre-tax dollars for qualified medical expenses.This not only helps in reducing your taxable income but also ensures that your healthcare costsare more manageable.Among the many advantages of an HSA, you'll find that contributions are tax-deductible,providing immediate tax relief.Withdrawals made for qualified medical expenses are tax-free, allowing you to utilize yoursavings without any additional tax burden.Furthermore, your funds can grow tax-free through interest and investment earnings,maximizing your savings potential.Another remarkable feature is portability; your HSA remains with you, regardless of job changesor shifts in health plans.By understanding these key features and leveraging your HSA effectively, you can take controlof your healthcare finances and enjoy peace of mind knowing you are prepared for futuremedical expenses.Take advantage of our Health Savings Account (HSA) offers designed to empower you on yourfinancial journey.With contribution limits set at $4,300 for individuals and $8,550 for families in 2025, you canmaximize your savings and secure your health expenses. Additionally, if you’re 55 or older, youhave the unique opportunity to make catch-up contributions of an extra $1,000.Whether you prefer payroll deductions, direct deposits, or lump-sum contributions, we are hereto guide you through the process of opening your HSA with ease and confidence.UNLOCK THE FULL POTENTIAL OF YOUR HSA FUNDSDiscover the numerous benefits of utilizing your Health Savings Account (HSA) funds effectively.With your HSA, you can cover a wide range of qualified medical expenses, including essentialdoctor visits, necessary prescription medications, and care for your dental and vision health.Whether it's purchasing medical equipment or managing routine healthcare costs, your HSA is avaluable resource at your disposal.When it comes to making withdrawals, you have flexible options. You can reimburse yourself forout-of-pocket expenses after payment or utilize your HSA provider's online platform for seamlessbill payments.It's essential to keep track of your contributions and maintain organized records. By savingreceipts for your qualified medical expenses, you can easily verify your withdrawals and ensurecompliance with annual limits.Moreover, your HSA can be a powerful tool for long-term financial health. Many HSAs offerinvestment options akin to retirement accounts, allowing you to grow your funds over time.Consider maintaining a regular HSA for yearly medical expenses and having an additional HSA forfuture healthcare costs or retirement needs. Embrace the opportunity for long-term growth withyour HSA funds and secure your financial well-being.In today's fast-paced world, managing healthcare expenses can be a daunting task. However, aHealth Savings Account (HSA) stands out as a flexible and powerful tool designed to help younavigate these challenges while also offering significant tax advantages.By understanding the features of an HSA and learning how to use it effectively, you cansignificantly enhance both your health and financial well-being.It is essential to remember that personalizing your HSA strategy may require the insights of afinancial advisor or tax professional, ensuring that it aligns perfectly with your unique needs. Forthose seeking more detailed information, IRS.GOV serves as a valuable resource to guide you onthis journey.EXPLORE THE BENEFITS OF MULTIPLE HSA ACCOUNTSA Health Savings Account (HSA) serves as an exceptional financial tool, particularly forindividuals enrolled in high-deductible health plans (HDHPs). One question that often arises iswhether it is permissible to maintain more than one HSA account. Understanding the intricaciesof HSAs can empower you to make informed decisions about your health savings.HSAs offer remarkable tax advantages; contributions are tax-deductible, allowing your funds togrow without incurring taxes, and withdrawals made for qualified medical expenses are also taxexempt.However, eligibility criteria must be met, including being covered by an HDHP, not being enrolledin Medicare, and not being claimed as a dependent on someone else's tax return. Furthermore, itis important to be mindful of the annual contribution limits set forth by the IRS, which canimpact your overall savings strategy. Let us delve deeper into the world of HSAs and discover thepotential benefits of having multiple accounts.UNLOCK THE BENEFITS OF MULTIPLE HSA ACCOUNTS TODAY!We are excited to share valuable insights about the advantages of holding multiple HealthSavings Accounts (HSAs). Yes, you can have more than one HSA account, and there are no legalrestrictions preventing you from doing so. In fact, having multiple HSAs can provide strategicbenefits that enhance your financial health.One of the primary reasons to consider multiple HSAs is the diversification of funds.Just like with any other savings or investment accounts, diversifying where your HSA funds areheld can lead to better financial security.Additionally, if you have an HSA through your employer, opening another account independentlyallows you to gain greater control over your investment options and account fees.Furthermore, different HSA providers offer varied investment opportunities, which means that byholding multiple accounts, you can access a broader range of choices tailored to your financialgoals. However, it’s important to remember that while you can open multiple accounts, theannual contribution limits apply to the total contributions across all your HSAs.Make sure to keep track of your combined contributions to stay within the IRS limits. Explore thepossibilities of multiple HSAs and empower your financial future!IMPORTANT INSIGHTS ON MANAGING MULTIPLE HSA ACCOUNTSManaging multiple Health Savings Accounts (HSAs) can provide a variety of investmentopportunities and enhance your financial strategy. However, it is essential to be aware of theIRS annual contribution limits that apply to the total contributions across all your HSA accountscollectively.This means that while you can have several accounts, you must ensure that your combinedcontributions do not exceed these limits.Additionally, the administration of handling multiple accounts should be considered, as trackingcontributions and distributions can require more diligence to maintain compliance with IRSregulations.It is also wise to review the associated fees. In conclusion, while having more than one HSAaccount can be advantageous, it is vital to stay informed about contribution limits, administrativerequirements, and fees to fully maximize the benefits of your health savings strategy.As always, we are here to help you navigate all the HSA questions you may have.","datecreated":"1%15%2025,23%25%24","datemodified":""},{"title":"HSA Info Letter Part 1","description":"HSA Info Letter Part 101.16.25Dear HSA account holder,We would like to remind our valued members that as of May 1st, 2025, the HealthSavings Account (HSA) Debit Card will no longer be available. This change reflectsan evolution in our banking operations, designed to enhance how you access andmanage your financial services.We understand that transitions can be challenging, which is why we are committedto providing you with comprehensive information about this change.We encourage you to embrace our online banking platforms, which offer a seamlessexperience for fund transfers, bill payments, and account management.To support you during this transition, we will provide resources and guidance to helpyou become proficient with these digital tools.Additionally, for those who prefer face-to-face interactions, we continue to offerservices for deposits and withdrawals. We appreciate your understanding and lookforward to assisting you every step of the way!As we prepare for this change, we want to ensure that your experience remainssmooth and hassle-free. To facilitate this transition, we kindly ask our valuedcustomers to take a few proactive steps:First, please update your contact information, especially if you have autopayments linked to a debit card; you will need to make necessary adjustmentsthrough the Automatic Clearing House (ACH) system or by attaching adifferent card.Secondly, we encourage you to download our mobile app to explore itsfantastic features and capabilities—it's designed to enhance your experience.Should you have any questions or require assistance, our office is always hereto help!In conclusion, reminder that the Health Savings Account Debit Card will bediscontinued on May 1st, 2025. While this change may alter how you accessyour Health Savings funds for reimbursements, rest assured that we arecommitted to providing you with new options for managing payments throughyour Health Savings Account.Your understanding and cooperation during this transition are greatly appreciated!Tomorrow's email will provide some great information how many HSA accounts youcan have, deposits, withdraws, and more....Kasi Devinney","datecreated":"1%15%2025,23%22%25","datemodified":"2%7%2025,15%28%51"},{"title":"Beware of Brushing Scam!","description":"Beware of Brushing Scam!A recent scam has been showing up in many states. A \"brushing\" scam is when someone receives an unexpected gift or item not ordered in the mail from a place like Amazon or other company. Examples of gifts include, rings, bracelets, necklaces, Bluetooth speaker, etc. The gift will have the recipient’s address, but not include the sender's information or be from a known retailer. When the recipient opens the package to see what it is and possibly who sent it, there is a QR code to scan to find out who sent the gift.Once the code is scanned, all the information from that phone will be sent to scammers. They receive all access to the phone. All personal and financial information is accessible to the scammers and often the victim's bank accounts are drained.The gift can be kept or thrown away, but the QR code should NOT be scanned for any reason. QR code scams are nothing new. These scams show up in all places, including parking meters. Inform your family members about the scam and avoid scanning any unknown QR codes included in the package.  ","datecreated":"12%16%2024,13%13%48","datemodified":""},{"title":"Share your Roots","description":"Share your Roots with Friends & Earn Cash Rewards!Share the benefits of CommonRoots FCU membership with yourfriends, family, co-workers, and neighbors. When you refer someone toCommonRoots FCU, you BOTH earn cash.*<a href=\"https://www.commonrootsfcu.com/pdf/newsletter.pdf\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: rgb(11, 130, 67);\">Get Started Today!</a> Link in newsletter","datecreated":"8%2%2024,21%14%19","datemodified":"8%2%2024,21%17%28"},{"title":"Introducing Single Sign-On Access for Our Members","description":"Introducing Single Sign-On Access for Our MembersWe're excited to announce that single sign-on (SSO) access is now complete! This update simplifies the way our members access their credit card information.Streamlined AccessGone are the days when you had to log into your home or mobile banking and then separately log into Online Access for your credit card statements. With SSO, you can manage everything from one convenient location.How It WorksWhen members sign in to home or mobile banking, they will notice a few changes:<ul><li>Credit Card Location: Your Visa card will no longer be listed under the main accounts. Instead, you'll find it in the upper right corner under the \"CREDIT CARD\" link.</li><li>Easy Access: Simply click on the \"CREDIT CARD\" link. If you're already enrolled in Online Access, your account will automatically open. If not, you'll need to enroll by setting up a username and password for the first time.</li></ul>Future LoginsOnce you've set up your Online Access, you won't need to enter a separate username and password for future logins. This means seamless access every time you sign in to home or mobile banking.Benefits<ul><li>Current Data: Enjoy the most up-to-date information on your accounts.</li><li>Convenient Invoicing: Have your invoices readily accessible at your fingertips.</li></ul>Extra bonusIf you are enrolled in UCHOOSE rewards, the link will be available. If you're not yet enrolled, you'll need to register first, after which you'll be able to sign in all in one place.We hope this new feature enhances your banking experience by making it more efficient and user-friendly. Thank you for being a valued member!","datecreated":"3%7%2025,17%43%11","datemodified":""},{"title":"What is Christian Credit Union Network?","description":"Joining Forces with FaithOur Journey with the Christian Credit Union Network Since 1998Introduction to the Christian Credit Union NetworkThe Christian Credit Union Network (CCUN) is an association that aims to support and connect credit unions that operate based on Christian principles. As a member of this network since 1998, your credit union becomes part of a community dedicated to providing financial services that align with Christian values.Mission and VisionThe mission of the Christian Credit Union Network is to foster a cooperative environment where member credit unions can thrive by sharing resources, knowledge, and best practices. The network's vision is to empower communities through financial stewardship that reflects Christian teachings.Benefits of MembershipBeing a part of the Christian Credit Union Network provides numerous benefits:<ul><li>Collaborative Opportunities: Engage with other credit unions to share insights and strategies.</li><li>Resource Sharing: Access valuable tools and materials designed to enhance financial services.</li><li>Training and Development: Participate in workshops and seminars focused on professional growth and adherence to Christian values.</li><li>Advocacy and Support: Benefit from a collective voice in advocating for policies that support Christian-based financial operations.</li></ul>Community ImpactMembers of the Christian Credit Union Network strive to make a positive impact on their communities by:<ul><li>Promoting Ethical Banking: Ensuring financial practices align with Christian ethics.</li><li>Supporting Charitable Endeavors: Contributing to community projects and charitable organizations.</li><li>Educating Members: Offering financial literacy programs to help individuals and families manage their finances responsibly.</li></ul>ConclusionBy being part of the Christian Credit Union Network since 1998, your credit union not only gains access to a wealth of resources and support but also contributes to a larger mission of promoting values-based banking. This membership reaffirms your commitment to serving your community with integrity and stewardship. For more information, you can visit their website at ccunetwork.org.","datecreated":"3%24%2025,15%21%30","datemodified":""},{"title":"Notice of Bill Pay System Maintenance","description":"Notice of Bill Pay System MaintenancePlease be advised that the electronic bill payment system will be temporarily unavailable for annual system maintenance. The downtime is scheduled as follows:<ul><li>Start: 11:00 p.m. ET on Saturday, April 12, 2025</li><li>End: 5:00 a.m. ET on Sunday, April 13, 2025</li></ul>We apologize for any inconvenience this may cause and appreciate your understanding as we work to maintain and improve our services. Thank you for your patience.","datecreated":"4%4%2025,11%09%32","datemodified":""},{"title":"Comprehensive Document Retention Guide","description":"Comprehensive Document Retention GuideIf you're unsure how long to keep certain documents before safely shredding them, this guide will help you organize your paperwork. While this is meant as a helpful reference, keep in mind that circumstances may vary. When in doubt, label and file documents securely for safe keeping. Proper document retention protects you from audits, disputes, and unnecessary clutter.How Long to Keep DocumentsKeep Until the Warranty Expires or the Return/Exchange Window Closes Sales Receipts<ul><li> (Unless needed for tax purposes, in which case keep for 3 years).</li></ul> What to Keep for 1 MonthATM Printouts <ul><li> Shred after balancing your checkbook or reconciling accounts.</li></ul> Deposit Slips <ul><li> Retain until reconciled with your bank statement (typically 1-2 months).</li></ul> What to Keep for 1 YearPaycheck Stubs <ul><li> Once reconciled with your W2 and annual Social Security statement, shred these.</li></ul> Utility Bills <ul><li> Retain for 1 year, unless using them for deductions (ex. home office expenses). If deductible, keep for 3 years after filing the tax return.</li></ul> Cancelled Checks <ul><li> Keep for 1 year, unless connected to taxes, where you’ll need to retain them for 3 years.</li></ul>Credit Card Statements <ul><li> Verify and shred after 1 year, unless needed for tax or warranty purposes.</li></ul> Bank Statements <ul><li> Physical copies can be discarded after 1 year, except for tax-related statements, which should be kept for 3 years.</li></ul> Quarterly Investment Statements <ul><li> Hold onto these until you receive the annual summary statement.</li></ul> What to Keep for 3 YearsIncome Tax Returns <ul><li> The IRS can audit you within 3 years of filing. Any omitted income extending beyond 25% of your gross income bumps it up to 6 years.</li></ul> Medical Bills and Cancelled Insurance Policies <ul><li> Retain for 3 years for tax or insurance claim purposes.</li></ul>Records of Selling a House <ul><li> Documentation for capital gains tax should be kept for 3 years after filing.</li></ul>Records of Selling Stock <ul><li> Retain for 3 years for tax purposes.</li></ul>Receipts, Cancelled Checks, and Other Tax-Related Documents <ul><li> Keep for 3 years, measured from when the tax return was filed or the tax paid (whichever is later).</li></ul> Annual Investment Statements <ul><li> Maintain for 3 years after selling your investment.</li></ul> What to Keep for 7 YearsRecords of Satisfied Loans <ul><li>Retain these for 7 years as proof of repayment.</li></ul>Completed Tax Returns and Supporting Documents <ul><li>The IRS recommends a 7-year retention period due to potential amended filings or audit risks.</li></ul>Outdated Tax Forms <ul><li>Shred forms after 7 years.</li></ul>What to Hold While Active Contracts<ul><li>Insurance Documents</li><li> Stock Certificates</li><li>Property Records</li><li>Records of Pensions and Retirement Plans</li><li> Property Tax Records</li><li>Disputed Bills (Keep until resolved).</li></ul>Home Improvement Records <ul><li> Retain for 3 years after filing the tax return that includes the income or loss when sold.</li></ul>Medical Records <ul><li>Retain insurance claims, doctor notes, and prescription papers for 1-3 years, or longer if tied to a long-term condition.</li></ul>Personal DocumentsReceipts for Major Purchases <ul><li> Keep as long as you own the item or for warranty claims.</li></ul>Resumes and Old Job Applications \t * Shred once no longer relevant.School Records <ul><li> If not needed for certifications, shred 7 years post-graduation.</li></ul> Documents with Sensitive Information (e.g., Social Security numbers or account details) \t * Retain only what's essential and shred duplicates immediately.Keep Forever<ul><li> Marriage Licenses</li><li> Birth Certificates</li><li>Wills</li><li>Adoption Papers</li><li>Death Certificates</li><li>Records of Paid Mortgages </li></ul>These documents should be stored in a safe and easily accessible location, like a safety deposit box. ","datecreated":"4%5%2025,13%49%32","datemodified":""},{"title":"Shredding Items Accepted and Not Accepted","description":"Items Accepted for ShreddingYou can securely shred any document containing sensitive or personal information. This includes:<ul><li>Old Bills and Statements: Utility bills, credit card statements, phone bills, etc.</li><li> Banking Documents: Cancelled checks, old bank statements, deposit slips.</li><li>Tax Records: Outdated tax forms and supporting documents (older than the IRS recommended timeline).</li><li> Medical Records: Documents from doctors, insurance claims, or prescription information.</li><li> Receipts: Those with personal or financial details you no longer need.</li><li> Personal Documents: Resumes, old applications, school records, and anything with addresses, Social Security numbers, or account information.</li></ul> Items That Should NOT Be BroughtCertain materials are not suitable for shredding or may cause issues with the shredding machines. Please avoid bringing the following:<ul><li> Plastic Items: Binder covers, laminated documents</li><li> Metal Objects:  remove binder clips or large metallic pieces.</li><li> Electronics: CDs, flash drives, or hard drives cannot be shredded. Check for e-waste recycling events instead!</li><li> Non-paper Trash: Food wrappers, cardboard, or general household garbage.</li><li> Books or Magazines: These often don’t contain sensitive information and can be recycled separately.</li></ul>Pro-Tips for a Smooth Shred Event<ul><li> Double-Check Documents: Ensure no important records are accidentally thrown in- </li><li> Remove Binders or Large Clips: These can damage shredding equipment.</li></ul> ","datecreated":"4%5%2025,14%12%50","datemodified":""}]