Please use these links while systems are being migrated.

Merger Updates

Apply for a Loan ScoreCard Rewards eZcard ONLINE BANKING

Former MCCU Members use links above to access your account. Bridge Members use links on homepage.

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Bridge Credit Union and Montgomery County Credit Union Join Forces

Bridge Credit Union was selected as a strategic merger partner for Montgomery County Credit Union. The resulting financial institution will use the “Bridge Credit Union” name and serve more than 14,000 members across the state of Ohio with nearly $80 million in assets.

We are jointly excited to bring together our two organizations with the shared mission of improving our members’ financial lives. With this merger comes strength and opportunity to compete, grow and thrive. Bottom line… this ensures long term value for our members, employees and the communities that we serve.

The formal merger date was January 31, 2016.

Important Dates – JUST UPDATED

Official Announcement – Joint Statement

Montgomery County Credit Union Members

If you are a member from Montgomery County Credit Union, please refer to this page periodically for communication updates and information pertaining to your new accounts at Bridge Credit Union.

By joining forces, our combined credit union will be able to deliver significantly more services, products and benefits to all of our members. Benefits that include adding MCCU members to Bridge’s thousands of Shared Branching and ATM Locations nationwide.

Merger FAQs

Banking FAQs

Borrowing FAQs

Access & Contacts FAQs

CURRENT RATES

Have additional questions?

This site will be updated and will provide a timeline of upcoming changes. We are committed to keeping you informed. For additional questions please call us at 800.434.7300 or 937.224.4050. You may also submit questions/comments by emailing memberinfo@bridgecu.org.

Learn More About Bridge Credit Union

Since our inception in 1967, we have served our members with low rates, personalized member service and valued added financial services. Learn more about Bridge by watching what our members have to say.

Billing Rights and Error Resolution

This notice contains important information about your rights and responsibilities under the Fair Credit Billing Act.

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. If you think your statement is wrong, or if you need more information about a transaction on your statement, statement, write us on a separate sheet what you believe the error to be and mail to: 1980 W. Broad Street, Mail Stop #0000, Columbus, OH 43223. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.

In your letter, give us the following information:

Your name and account number and the dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.

Your Rights and Responsibilities

We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the statement was correct.

After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to send statements to you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your statement that are not in question.

If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due.

If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is.

If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your statement was correct.

What is a merger?

A merger is an agreement between two organizations that have a common goal to grow and serve the members and their communities. This is an opportunity for two individual organizations to come together and be a more successful single entity. As a combined organization, we gain substantial savings through economies of scale. The combined credit union will more efficient, gain cost savings, maintain viability, remain competitive, as well as improve our capital position. All of this helps us provide members additional conveniences and enhanced products and services going forward.

Is Montgomery County Credit Union being bought out?

The merger represents a mutually beneficial partnership that both organizations are entering into freely. This collaboration brings together two organizations to benefit the memberships of both organizations.

What will be the name of the credit union?

The new merged credit union will use the name Bridge Credit Union.

Who is Bridge Credit Union?

For close to 50 years Bridge Credit Union has been serving our members across the state of Ohio. We are dedicated to connecting to and serving our membership in a fair, hassle-free, proactive and transparent manner. Our knowledgeable, caring and motivated associates work together to provide a relevant banking experience that is accessible 24 hours a day, 7 days a week. We help our valued members lead happier lives by advocating their financial health and encouraging them to achieve the quality of life they desire, through innovation of our everyday products and services, technologies and educational offerings. It is our vision to achieve enduring and engaging relationships with each of our members.

When will the merger become official?

The merger will be official January 31, 2016, however, you may still receive some communications with the Montgomery County Credit Union name.

What will happen to the employees?

All Montgomery County Credit Union employees have been offered the opportunity to become Bridge Credit Union employees.

Is my personal information safe?

Yes. Bridge Credit Union has been in business since 1967 and considers your privacy and protection of member personal information its highest priority. Bridge uses technology to protect your information, and its team members are trained to ensure member confidentiality. For additional information, see Bridge’s Privacy Policy.

Will this merger affect my service?

It is our goal that you will only see positive changes; you will have more products, services, and access points with an expanded ATM network.

What’s in it for the members?

More FREE access to your money, almost anywhere. With our CO-OP and Fifth Third network we are able to offer nearly 30,000+ ATMS and 5,000+ shared branch locations. You’ll get more access to your money than even customers of larger banks do. This merger will give members geographical diversification, greater financial resources, along with enhanced products and services. We offer top technology services that allows you to access your accounts on-the-go; like online banking, bill pay, remote deposit and mobile banking.

Who do I contact if I have more questions?

If you have any additional questions you can reach our offices Monday – Friday 8:00 a.m. to 4:00 p.m. at 800.434.7300.

How will I get updates as things change?

We will regularly update our website – you can stay up-to-date by periodically visiting bridgecu.org/mergerupdates. You will have also received important account information in your December 2015 statement. TIP: Make sure your contact information and address are current on your account so we can stay connected with important updates.

Safe Holiday Shopping Tips

No one is immune to thieves, fraud, and identity theft. According to the Federal Trade Commission, 1 in 6 people will be a victim of identity theft this year alone. And, with the extra use of credit and debit cards during the holiday season, the risk of fraud and identity theft increases this time of year. Knowing how to protect your private information is the best offense against identity theft. Knowing your rights and what to do if your information is stolen is a strong defense.

There are many forms of identity theft but because of recent card security breaches making the news, Bridge has compiled a list of tips specifically for safeguarding your card information in public, at home, and online.

In Public

Treat your card like your house keys. Never let it out of your sight, even for a moment. At restaurants, where this is more difficult, use your credit card instead of your debit card. Your checking account will not be drained in the event your card information is stolen.
For added security, when using your debit card always select “credit.” Selecting credit and signing for purchases provides you additional protection and reduces your liability in most cases. Many merchant keypads automatically default to debit, ask the sales clerk how to select credit if the instructions on the keypad are not clear.
Make sure your PIN isn’t written on or near your card.
When keying in your PIN, be sure no one is watching.
Do not discard ATM or credit card receipts in a public place.

At Home

Keep good records, and review account statement promptly and thoroughly. Guard your account numbers.
Sign up for online account access and electronic statements. You will be able to review your account activity at any time.
If you see a questionable transaction on a statement, immediately notify the issuer of your credit card.
Never give your credit card number to unsolicited callers. If you’re uncertain, ask for more information by mail.
Before disposing of card receipts or statements, destroy areas where account numbers are visible.
Keep information about all your card accounts in a secure place, so you can act quickly if one is lost or stolen.

Online

Firewalls and other software can protect your computer from viruses and other menaces. But be on guard against questionable websites designed to trick you into disclosing sensitive financial information.
Turn off your computer when you’re not using it, even if you have antivirus and firewall software.
Be aware that Bridge Credit Union and other legitimate businesses never email customers asking for passwords or PIN information.
Never click on a link in a suspicious email.
Before making an online purchase, make sure the merchant is reputable by locating an image of an “unbroken key” or “closed lock” security icon in the corner of your browser window.
Change passwords and PINs periodically.

If your debit card or credit card is ever lost of stolen, or if you suspect fraud, remember to:

Immediately call the issuer of the card(s) that were stolen.
Contact Bridge right away for lost/stolen Bridge credit or debit card at 800.434.7300. (After hours/weekend Visa Credit Card: 800.543.5073, Debit Card: 800.528.2273).
Check your card and bank statements diligently until the problem is completely resolved.
Contact the three national credit bureaus immediately. Request copies of your credit report from all three national credit bureaus and check them thoroughly. In addition, under federal law, you are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting agencies. You may obtain a free copy of your credit report by going to www.AnnualCreditReport.com or by calling (877) 322-8228. They can place a “Fraud Alert” in your file, which lets credit unions and merchants know there’s a problem. You can contact the three credit bureaus here:

Equifax
P.O. Box 740241 • Atlanta, GA
30374-0241 • 800-525-6285
www.equifax.com

Experian
P.O. Box 949 • Allen, TX
75013-0949 • 888-397-3742
www.experian.com

Trans Union
P.O. Box 6790 • Fullerton, CA
92834-6790 • 800-680-7289
www.transunion.com

Most of all, don’t panic. Remember that as a consumer, you have certain rights and protections when it comes to card theft and fraud. Theft or misuse of your credit or debit card is a hassle; however, your chances of getting your money back are much, much greater than the loss or theft of cash.

Privacy Policy

Our Credit Union respects your privacy. Through our Web site, we strive to provide valuable information to you about how we may serve you, and whether you are a valued existing customer or someone shopping for new Credit Union services, we hope our site answers your questions about our products and services, locations, and hours.

A useful, relevant website relies on the willingness of our members to access and use the website to its fullest capabilities. Willingness to use the website is reliant upon our members feeling secure when browsing, transacting, or linking from the credit union’s website. In addition to the controls discussed above, the credit union recognizes that member education is critical in ensuring a safe and satisfying experience when accessing the credit union’s e-commerce. The following critical information will be communicated to our membership, in addition to any other safeguards we may suggest or notices we post:

The credit union will never solicit private, identifying information via email or the website.

The credit union will never solicit phone calls to any number other than our published business number for any purpose.

The credit union will never request advance payments on a loan, and expressly not through email or the website.

The credit union will never initiate a request payment of fees or solicit funds for any other purpose via email or the website.

Education of our members will be an on-going process and will occur through the form of newsletter articles, statement mailings, and/or website postings.

We do not gather information on individual users on our Web site. We do collect and store information about the name of the domain from which you access the Internet, such as Compuserve.com or att.net, the date and time you access our site, and the Internet address of the Web site from which you linked to us. Other than that, we collect information on visitors only in the aggregate and use it for internal review purposes only. This information simply enables us to tell which areas of the site are of most interest to our users, which avenues of site promotion are most effective, and when peak usage times are.

Our Web site does not require you to disclose any personally identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. We pledge, however, that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the Credit Union unless we are compelled to do so by law. Please remember that “personally identifiable information” should not be included in a general e-mail, and email should never be used to send personal information to apply for a loan. Application for loans can only be made by filling out an application either in person or from the online application on our website.

You should be aware that if we ever develop an online bulletin board or guestbook, any time you voluntarily post messages to an online bulletin board, or guestbook, the name you use and your e-mail address, if you post it, may be accessed by others viewing the message board. This may result in your receiving unsolicited e-mail. If that is undesirable to you, you should either refrain from posting messages or refrain from revealing your e-mail address.

From time to time, we may solicit information from you in connection with a giveaway or drawing. The disclosure of information is entirely voluntary on your part and, if you choose to give it, the personally identifying data will be used primarily to enable us to contact you with additional information about our Credit Union and its products and services.

Bridge Credit Union, Inc. (Bridge Credit Union) is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use, and safeguard your personal financial information. If you have any questions, please contact a member service representative at 1-800-434-7300 or 614-466-4988.

Bridge Credit Union collects nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms;

Information about your transactions with us or others; and

Information we receive from a consumer reporting agency.

We are committed to providing you with competitive products and services designed to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either service to us, or additional financial products for you to consider. Each of these companies has been approved by the credit union’s board of directors.

We may disclose all of the information we collect as described above to other financial institutions with whom we have joint marketing agreements.

We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions, or protect the security of our financial records.

If you terminate your membership with Bridge Credit Union, we will not share information we have collected about you, except as permitted by law.

Bridge Credit Union restricts access to nonpublic personal information about you to those employees who have a specific business purpose for using it. Our employees are trained on the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

We reserve the right to change this policy at any time by posting a new privacy policy.

Is my account number changing?

No, your account number will remain the same. All automatic payments, share drafts and debit card transactions that are currently setup using your account number and MCCU’s routing number will continue to work. These transactions will be rerouted to your account with Bridge Credit Union. It is our recommendation that you update your direct deposit and automatic payment withdrawals to the new routing number (244077909) by August 1, 2016 (6 months after conversion).

What will my new routing number be?

Bridge’s routing number is 244077909.

Where can I get a copy of the account terms, privacy policy, conditions and fee schedule?

Click here to view all necessary account terms, conditions and disclosures.

Where will I mail deposits?

The mailing address for deposits is:
Bridge Credit Union
1980 W. Broad Street
Mail Stop # 0000
Columbus, Ohio 43223.

Will there be service interruptions?

On 2/29/2016, Montgomery County Credit Union offices will be closed. However, credit union services like ATM, debit, credit and cards will still be available. The last day to access online banking from the old site will be 2/27/2016. Offices will re-open on 3/1/2016 and you will be able to access your new online banking and bill pay. Welcome to Bridge Credit Union!

Are membership requirements changing?

No, in-fact they will be expanding by combining Montgomery County Credit Union and Bridge Credit Union’s state charters. Bridge Credit Union serves members located throughout the state of Ohio.

Will my checking account change?

On March 2016, you may notice on your statement or in your online banking that your checking account will be called “Crystal Free Checking.” This account gives you every feature you’d expect from a checking account without a monthly fee or minimum balance requirement.

Will I have to order new checks?

No, you may continue to use your remaining checks. These checks will continue to clear as normal. However, if you would like the ability to view your check images online, then you will need to order new Bridge Credit Union checks. Contact us to order checks today.

Will I have to order a new debit/ATM card?

No, your existing debit/ATM cards will work like normal. However, after March 1, 2016 if your card expires or is lost/stolen your replacement card will be a Bridge Credit Union designed debit card.

Will my terms change on my certificate account(s)?

Yes, if you are currently in a 30 month certificate when it matures it will automatically renew into our 36 month certificate product. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period- ten calendar days after maturity) or we receive written notice from you within the grace period. If you prevent renewal, dividends will not accrue after final maturity. As other certificates mature they will renew into a current rate Bridge certificate with matching terms, beginning on the maturity date. Dividends will be calculated on the same basis as during the original term.

What are the deposit rates at Bridge Credit Union?

You can locate our deposit rates online at bridgecu.org, click on the top link “Rates” – plus, its mobile friendly… check it out on your mobile device.

Will incoming wire instructions change?

Yes, you can locate the incoming wire instructions here.

What happens to my direct deposit?

Your direct deposit will post like normal. Although, we do suggest starting March 1, 2016, that you have your direct deposit updated with your new routing number (244077909) by August 1, 2016. Click here to access our direct deposit form.

What if I am currently a member of both Montgomery County Credit Union and Bridge Credit Union?

You can keep both accounts, but may want to speak with a representative to combine the accounts. Give us a call at 800.434.7300 to discuss your options.

When can I start using Bridge Credit Union’s products and services?

You will be able to take full advantage of Bridge’s product and service offering starting March 1, 2016.

Are my accounts federally insured?

Each account holder is federally insured up to $250,000, which is backed by the full faith and credit of the federal government through the National Credit Union Administration. For further protection, we provide an additional $250,000 of insurance through Excess Share Insurance – for a total of up $500,000 per owner. Traditional and Roth IRA’s are also insured aggregately up to $500,000.

What about joint owners and beneficiaries on my accounts?

Joint account owners and beneficiaries will remain the same as you designated for your MCCU accounts. However, you are encouraged to review your account ownership and payable-on-death (POD) beneficiary information.

I currently have eStatements. Will I continue to get my statements online?

Starting March 1, 2016 you will be able to re-enroll into eStatements and view statements online using Bridge’s online banking.

How do I get a copy of an old statement?

Starting on March 1, 2016 if you need copies of prior account statements, you will be able to access them using Bridge’s online banking, under statements. You can also call us at 800.434.7300 if you need assistance in getting a copy of a prior statement.

What will happen to my Accidental Death & Dismemberment (AD&D) and HAP insurance coverage?

It will continue and be billed through your account like normal. If you need to file a claim call the number provided on your insurance certification you received at time of purchase.

ConnectPLUS Retirement Program

Retirement is a time of many big changes, but one constant you can count on is your membership at Bridge Credit Union. Whether you are currently a member, or wish to become a member in the future, your employment affiliation allows you to do so at any time. At Bridge, you and your family are members for life.

Bridge Credit Union recognizes your many years of service and has created ConnectPLUS, a complete package of benefits for you.

Rate Breaks on Certificates and Loans

Bridge will give you an 1/8% rate increase on all current certificate rates and/or 1/8% rate decrease on current loan rates. If you were a member of our credit union for at least five years prior to retirement, you will receive a 1/4% rate increase/decrease. This offer is extended to you, FOR LIFE.

Loan Deferral

You may use the option of a loan deferral for up to two consecutive months following your retirement. Deferred payments are offered on consumer closed end loans; new loans are eligible after 60 days and we will even waive the processing fee.

Increased Platinum Visa Rewards

Earn one and a half points for each balance transfer dollar to your card. This is 50% higher than our standard balance transfer rewards points, and is in addition to our 500 bonus balance transfer rewards points. Purchases are rewarded with one point per every $1 spent.

Free Checks

Paper checks are still a great way to pay bills and buy the things you need. As an added value we are pleased to offer you free checks for life.

Referral Rewards

Receive a $25 deposit into your account for every person you refer to Bridge that applies for a Bridge Platinum VISA Rewards Card, applies for any loan or sets up a direct deposit account to a checking account.

Personal Assistant

A member service partner who will help you customize your credit union retirement benefits and set up your account the way that works best for you.

To receive the ConnectPLUS package of benefits, contact our office at 614-466-4988 or 800-434-7300 to get started.

Terms and Conditions

1 All benefits can be enjoyed by the individual retiree and terminate only upon death or account closure. Benefits can only be used if the retiree is the primary owner of an account and/or the primary borrower on a loan.

2 Rate break offered on closed end, fixed rate, consumer loans. Real estate and open end loans are not eligible. Rate break does not apply to current loans or certificates already being used. Retiree needs to contact credit union upon each certificate maturity to request the rate break, otherwise the certificate will automatically renew at the prevailing rate.

3 Deferred payment(s) will be added at the end of the loan term. Finance charges continue to accrue during the skipped period. This loan deferral option is available upon retirement. Future deferrals can be taken advantage of by using our standard Skip-a-Payment product. All terms and conditions of the Skip-a-payment product apply when that option is used.

4 Free checks must be ordered through Bridge Credit Union. Limited designs available.

What are the loan rates at Bridge Credit Union?

You can locate our loan rates online at bridgecu.org, click on the top link “Rates” – plus, its mobile friendly… check it out or even apply for a loan right from your mobile device.

What options do I have to make my loan payment(s) after March 1, 2016?

Payment through Direct Deposit: If you want your deposit split between accounts, complete our direct deposit distribution form and fax (614.728.8090), drop it off, or mail the completed form.
Payment from another account: Bridge’s Account to Account (A2A) Transfers gives you even more carefree access. A2A allows you to initiate a funds transfer to or from another financial institution electronically. Make deposits, withdrawals or even loan payments. Learn More.
Reoccurring payments from another account: Loan payments can be debited from your checking or savings account at the bank or credit union of your choice. All payments are applied directly to your loan account on the posting date selected, and will automatically be credited towards your loan balance. Learn More.
Mail: You can mail payments to Bridge Credit Union 1980 W. Broad Street, Mail Stop # 0000, Columbus, OH 43223
Phone Payment: Bridge also accepts check, debit or credit card payment over the phone – fees may apply, call at 800.434.7300.

Can I get new loan coupons printed?

Yes, since the payment address changed you may request new loan coupons to be printed. Give us a call at 800.434.7300 to order new loan coupons.

Will I be able to access my loan(s) payment history online?

Starting March 1, 2016 you will be able to see your loan and balance through Bridge’s online banking, however past transactions prior to March 1, 2016 will not be viewable online. You can access old transactions via your old account statements.

Will I have to order a new credit card?

No, your existing credit card will work like normal. However, after March 1, 2016 if your card expires or is lost/stolen your replacement card will be a Bridge Credit Union designed credit card.

How do I apply for a new loan after the merger?

There are several options you can utilize when applying for a loan. Apply online/mobile, call 800.434.7300, submit a paper application, or stop into a branch to apply in-person.

What do I need to file a claim with one of my loan protection insurance policies?

If you need to file a claim call the number provided on your insurance certification you received at time of purchase or give us a call at 800.434.7300 and we can help.

Does Bridge offer mortgage loans?

Bridge Credit Union believes in expanding the dreams of home ownership to as many of our members as possible. We offer a wide variety of products for almost everyone and excellent rates. We promise a personal touch. We’ll guide you through the entire process and counsel you on the best product to fit your situation. Call our office today 800.434.7300 and enjoy a truly different experience.

If I have a car loan with Montgomery County Credit Union do I need to update my car insurance policy?

Yes, you will need to call your agent/insurance company to have the lienholder updated to “Bridge Credit Union.”

How do I contact the credit union (phone number, email & website)?

Phone Number: 800.434.7300
Email: memberinfo@bridgecu.org
Mailing Address: Bridge Credit Union, 1980 W. Broad Street, Mail Stop # 0000, Columbus, Ohio 43223

Is there any changing to branch locations or hours?

You can view branch hours and locations by clicking on the locations link at the top of the website www.bridgecu.org.

Will my online banking change after the merger?

Yes, but not until March 1, 2016, when all MCCU’s accounts are merged into Bridge Credit Union’s system.

How long will I be able to access my old online account?

You will be able to access your old online banking account until 2/27/16. Starting on March 1, 2016 if you need copies of prior account statements, you will be able to access them using Bridge’s online banking, under statements. See the next question for instructions on how to use Bridge’s online banking. You may also call us at 800.434.7300 for help accessing prior statements.

Will my online banking sign-on information change on March 1, 2016?

Yes, when you sign into your Bridge online banking for the first time, you will use your account number for your username and your password will be the last four digits of you social security number. Both of these credentials are temporary, the system will have you setup a permanent secure username and password when you sign-in for the first time. The system will also have you setup security questions. If want to take advantage of our FREE eStatements and Bill Pay, you will have to agree to those service terms upon sign-in as well.

Is the audio banking number changing?

Yes, but not until March 1, 2016. On March 1, 2016 you will need to call 800.434.7300 to access audio banking.

Will I need to setup a new audio access logon?

Yes. When you first use the audio banking after March 1, 2016, your logon will be your account number and the last four of your social security number. The audio system will prompt you to setup another permanent password at that time.

Is the website address changing?

Starting January 31, 2016, the MCCU site will be redirected to the Bridge Credit Union merger landing page www.bridgecu.org/mergerupdates. From this site you will still be able to access your Montgomery County Credit Union links to online banking, bill pay, loan application, scorecard rewards and ezcard. Starting on March 1, 2016 the MCCU site will redirect everyone to the main website www.bridgecu.org and members will begin using Bridge’s online resources.

What ATM locations can I use after the merger?

We have thousands of surcharge FREE ATM locations nationwide. You can find a location closest to you by visiting bridgecu.org and clicking on the “Locations” link. – plus, its mobile friendly… check it out right from your mobile device.

What is shared branching and how do I use it?

A CU Service Center (Shared Branch) is a credit union location that is part of a national network of linked or shared branches, which are identified by a common swirl logo. Members of Bridge Credit Union may conduct transactions at any of the shared facilities as though they were at their home credit union. All you need is your account number – just tell them you’re a Bridge Credit Union member

When can I start using all the locations?

Our network of surcharge FREE locations will be available to you starting March 1, 2016.

Where will I mail correspondences?

Corporate mailing address: Bridge Credit Union, 1980 W. Broad Street, Mail Stop # 0000, Columbus, Ohio 43223.

What remote services does Bridge offer for me to access my account?

Bridge doesn’t make you jump through unnecessary hurdles to get to your money. There are a variety of ways to access your funds other than taking your time to visit us in person. Access services like:

Online Banking & Bill Pay
Account to Account (A2A) Transfers
Text Banking
Mobile Banking
eAlerts/eNotices
Promise Deposit (Remote Check Deposit)
After-hours Online Live Chat

Can I connect with Bridge Credit Union through social media?

Bridge has presence on two popular social media websites, Pinterest and Instagram. Bridge uses the two popular social media sites to create a better connection to our members through advancing new media technology.

Through our Pinterest page we post helpful information like: building home equity (home projects), budget friendly recipes, vehicle shopping tips, smart home buying tips, building savings, youth savings tips, boost your retirement (retirement tips), holidays on a budget, fun do-it-yourself (DIY) activities, Bridge member discounts, family tips and think local (Ohio activities).

Bridge’s Instagram account provides our followers behind-the-scenes shots of the credit union, our staff and the community activities we take part in. We will also provide special teasers of products and services before they launch.

Coverdell Education Savings Account

College tuition costs have consistently risen at two to three times the rate of inflation over the past decade. If you have a child, a Coverdell Education Savings Account at Bridge Credit Union is an excellent way to save for future college costs. You can also use the account to save for qualified elementary and secondary education costs. Call us at 800.434.7300 to get started.

Benefits

You can contribute up to $2,000 per child (under age 18).
Compared to Section 529 plans, ESAs offer greater control over investments.
Qualified withdrawals are free of federal income tax.
Withdrawals may also be used to pay for qualified elementary or secondary school expenses.
Qualified expenses can include tuition and books, room and board, uniforms, supplies, computers, and Internet access.

Information about Distributions from Coverdell Accounts:

Distributions are tax-free as long as they are used for qualified education expenses, such as tuition and fees, required books, supplies and equipment and qualified expenses for room and board.
There is no tax on distributions if they are for enrollment or attendance at an eligible educational institution. This includes any public, private or religious school that provides elementary or secondary education as determined under state law. Eligible institutions also include any college, university, vocational school or other post-secondary educational institution eligible to participate in a student aid program administered by the Department of Education. Virtually all accredited public, nonprofit, and proprietary (privately owned profit-making) post-secondary institutions are eligible.
The Hope and Lifetime learning credits can be claimed in the same year the beneficiary takes a tax-free distribution from a Coverdell ESA, as long as the same expenses are not used for both benefits.
If the distribution exceeds qualified education expenses, a portion will be taxable to the beneficiary and will usually be subject to an additional 10% tax. Exceptions to the additional 10% tax include the death or disability of the beneficiary or if the beneficiary receives a qualified scholarship. There are contribution limits for taxpayers based on the contributor’s Modified Adjusted Gross Income. Contributions to a Coverdell ESA may be made until the due date of the contributor’s return, without extensions.
If there is a balance in the Coverdell ESA when the beneficiary reaches age 30, it must generally be distributed within 30 days. The portion representing earnings on the account will be taxable and subject to the additional 10% tax. The beneficiary may avoid these taxes by rolling over the full balance to another Coverdell ESA for another family member. For more details, see IRS Publication 970, Tax Benefits for Higher Education (at IRS.gov) or call 800-TAX-FORM (800-829-3676).

Notes

Your contribution to an ESA may be restricted if your modified adjusted gross income is greater than the specified limit.The limit is $95,000 for single filers, or $190,000 for joint filers. Because ESA funds qualify as the student’s asset, they may reduce eligibility for financial aid and scholarships.

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Your credit matters.

Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application.
Reviewing credit reports helps you catch signs of identity theft early.

FREE Credit Reports. Federal law allows you to:

Get a free copy of your credit report every 12 months from each credit reporting company.
Ensure that the information on all of your credit reports is correct and up to date.

Common signs of identity theft:

Bills that do not arrive as expected
Unexpected credit cards or account statements
Denials of credit for no apparent reason (e.g., for credit you did not apply for)
Calls or letters about purchases you did not make
Charges on your financial statements that you don’t recognize
Incorrect information on your credit reports – accounts or addresses you don’t recognize or information that is inaccurate

What should I do if I think I may be a victim of identity theft?

You should place an initial fraud alert on your file as soon as you suspect you might be a victim of identity theft. You can do this online at the three credit reporting companies:

Equifax – www.equifax.com/CreditReportAssistance
Experian – www.experian.com/fraud
TransUnion – www.transunion.com/fraud

Here are some other steps you can take:

Contact the security or fraud departments of each company where an account was opened or charged without your knowledge.
- Follow up in writing, with copies of supporting documents.
- Keep copies of documents and records of your conversations about the theft.
- Use the ID Theft Affidavit at www.ftc.gov/bcp/edu/microsites/idtheft/ or www.consumerfinance.gov/learnmore to support your written statement.
- Ask for verification that the disputed account has been dealt with and the fraudulent debts discharged.
File a report with law enforcement officials to help you correct your credit report and deal with creditors who may want proof of the crime.
Close the accounts that you know, or believe, have been tampered with or opened fraudulently.
Report theft to the Consumer Finance Protection Bureau. Your report helps law enforcement officials across the country in their investigations. To find out more , visit the CFPB’s website at www.consumerfinance.gov/learnmore/.

Where can I find out more about identity theft and protecting my identity?

For more information, visit www.consumerfinance.gov/learnmore/ or www.ftc.gov/bcp/edu/microsites/idtheft/ or write to:

FTC Consumer Response Center
Room 130-B
600 Pennsylvania Avenue, N.W.
Washington, DC, 20580

FAQ – Regulation E Overdraft Fees on ATM and One-Time Debit Card Transactions

What is the Regulation E Overdraft Fee regulatory change?

The Federal Reserve issued final rules revising Regulation E concerning overdraft fees that financial institutions may charge their consumer checking account customers. The new rule was published in the Federal Register on November 17, 2009 and has a mandatory compliance date of July 1, 2010. The new rule prohibits financial institutions from charging consumer checking account customers overdraft fees on ATM and one-time debit card transactions unless a consumer consents, or opts in, to the overdraft service for those types of transactions. The final rule does NOT require credit unions to pay overdrafts on checks or to authorize and pay any overdrafts on ATM or one-time debit card transactions; however, it does permit credit unions to offer consumers a choice regarding overdraft services for checks.

What type of account is affected by the new rule?

The new rule applies to only consumer checking accounts.

What types of transactions are affected by the new rule?

The new rule applies to only ATM and one-time debit card transactions on consumer checking accounts.

What is a one-time debit card transaction and a recurring debit card transaction?

A one-time debit card transaction is a transaction where the consumer uses a debit card at a point-of-sale (for example, at a merchant or a store), in an online transaction, or in a telephone transaction. A recurring debit card transaction is a transaction in which the cardholder provides his/her debit card or debit card number to a merchant for payment of services that are provided on a regular basis. Examples of this include using a debit card to pay for your utilities, cell phone, gym membership, and other types of regularly recurring services provided by the merchant.

What is standard overdraft practice?

A service under which the credit union assesses a fee or charge on a consumer’s account for paying a transaction (including a check or other item) when the consumer has insufficient or unavailable funds in the account. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If you do not have a sufficient memo-ledger balance in your consumer checking account or if you attempt a transaction that exceeds the ATM/debit card withdrawal limitations, we will decline ATM and/or debit card transactions.

What are overdraft protection plans?

Alternative overdraft services that protect consumers from overdrafts such as, an automatic transfer from another deposit account held or an automatic draw against a line of credit to bring the overdrawn account back to a zero balance or a pre-established minimum balance. The consumer is required to apply, enroll, or authorize such services. The credit union must approve a line of credit and it is subject to loan underwriting criteria.

When do debit card transactions post to my account?

Bridge Credit Union does not post debit card transactions to your account until the merchant submits the transaction to us for payment. The timing can vary for debit card transactions from the very same day to several days later. In rare circumstances – such as using your debit card online to buy an item that is back-ordered – the merchant could submit the transaction several weeks later.

How can an ATM or every day (one-time) debit card transaction result in an overdraft on my checking account?

Due to the timing variation described above, you may have sufficient funds in your checking account at the time the ATM or one-time debit card transaction is authorized but may not have sufficient funds in your account by the time the transaction is finally submitted by the merchant for posting to your account due to posting of intervening transactions. In addition, merchants such as gas stations and hotels that request a debit card pre-authorization request the authorization for less than the actual transaction and may place a “hold” for more than the actual transaction to try to ensure they get paid for their product/service which may affect your checking account balance. You should ask for a merchant’s pre-authorization policy prior to transaction authorization.

What balance is used to authorize ATM and debit card transactions?

Bridge Credit Union authorizes ATM and debit card transactions using the available balance of your checking account. The available balance is the balance at the end of the prior day plus any ACH transactions being posted the current day.

What can I do to avoid overdrafts or declined debit card transactions?

Enroll in Online Banking to keep track of your checking account. Online banking, our mobile app and mobile banking help you keep track of how much money you have in your checking account as well as the transactions that have been presented and that have been posted to your account. Online banking also allows you to transfer money between your accounts without having to visit the credit union.
Bookmark our mobile banking site on your phone for quick and easy access on the go.
eAlerts alert you by e-mail or text message to your mobile phone when your balance falls below a minimum threshold set by you or when checks/automatic deposits/withdrawals post to your account.
eStatements are electronic images of your credit union statements that are electronically delivered to you sooner than paper statements via snail mail and allow you to track the transactions posted to your checking account.
Call, email, or visit to find out more about our eServices or overdraft protection plans.

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