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Important Member Notices

Wire Transfer Fee

(Originally posted in Winter 2014 newsletter)

Effective March 1, the credit union will update the following fees:

• Domestic wire transfer . . . . . . . . . $20

• International wire transfer . . . . . . . $45

• Western Union . . . . . . . . . . . . . . . $25


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Kasasa Checking Account Change

(Originally posted in Winter 2014 newsletter)


Effective with the February 1 dividend payment, the annual percentage yields for Kasasa Cash checking accounts will adjust:

• 2.25% (on balances up to $10,000)

• 0.25% (on balances greater than $10,000)

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Annual Debit Transaction Disclosure

(Originally posted in Winter 2014 newsletter)


You may use your First Missouri Credit Union Visa® debit card to initiate both Visa signature transactions, commonly referred to as 'credit' transactions, and Visa PIN transactions, which are referred to as 'debit' transactions.

To initiate a Visa signature transaction, you may sign a receipt, provide a card number or swipe your card at a point-of-sale terminal, and select 'Credit.' To initiate a Visa PIN transaction, you may use your Personal Identification Number to authorize the purchase or select 'Debit' on the point-of-sale terminal. It is important to note that ATM transactions and processes are considered Visa PIN activities.

The distinction between Visa signature and Visa PIN transactions determines whether you will enjoy certain rights and protections applicable only to Visa signature transactions. The Visa Zero Liability coverage, $50 consumer loss cap, provisional credit policies of Visa and the Visa chargeback and dispute resolution services are only available when you choose to use your First Missouri Credit Union Visa debit card as a Visa signature transaction by selecting 'Credit' or signing a receipt. These cardholder advantages are not extended to Visa PIN transactions.

For questions regarding this disclosure and the use of your First Missouri Credit Union Visa debit card, please contact the credit union.

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Travel Notice

(Originally posted in Fall 2013 newsletter)


Please alert First Missouri Credit Union when you're traveling outside your area. Call us with your travel dates and destination, and confirm your telephone contact information. If we suspect that questionable activity has occurred, we will contact you to verify the transaction.


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Privacy Policy Update

(Originally posted in Summer 2013 newsletter)


Please visit our website, and take a moment to review the privacy policy and how it affects your membership with First Missouri Credit Union. These important guidelines determine how we handle your personal financial information and help ensure a high standard of confidentiality.

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Merchant Surcharges

(Originally posted in Spring 2013 newsletter)


In January, merchants gained the ability to start charging a surcharge, or checkout fee, on credit card purchases. These surcharges could be up to 4% of your purchases! These charges aren't coming from card issuers like First Missouri Credit Union, but from select retailers where you make credit card purchases.


It's important to remember:

• These surcharges apply only to credit card purchases, not debit card or prepaid card transactions.

• Merchants must disclose the credit card surcharge amount very clearly – at the store entry and the point of sale, or on the homepage if the merchant does business on the Internet.

• The dollar amount of the surcharge must appear on the transaction receipt.

• Merchants are not allowed to impose a credit card surcharge in California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma or Texas, where such fees are prohibited under state law.


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