Merger Updates

• Online Banking & Bill Pay
• Account to Account (A2A) Transfers
• Text Banking
• Mobile Banking 
• eAlerts/eNotices 
• 1,000+ Shared Branching & 25,000+ ATM Locations 
• Promise Deposit (Remote Check Deposit)
• After-hours Online Live Chat

We’re Making Miracles on International
Credit Union Day, October 20, 2016

This International Credit Union Day we are celebrating the credit union difference by making a difference in our local community. We invite you to Shop for Miracles with your Bridge Credit Union credit or debit card on Thursday, October 20, 2016. Each time you use your card that day, we’ll donate $0.25 to Nationwide Children’s Hospital and/or Dayton Children’s Hospital, our local Children’s Miracle Network Hospitals.

Together we can make miracles for local kids!

Electronic Transfer Errors

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS:

Write us at 1980 W. Broad Street Street, Mail Stop # 0000, Columbus, OH 43223 or;

Telephone us at (614) 466-4988 or (800) 434-7300 as soon as you can if you think your statement or receipt is wrong.

If you need more information about a transfer on the statement or receipt, we must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.

1. Tell us your name and account number.
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

We will investigate your complaint and will promptly correct any error. If we take more than 10 business days to do this, we will provisionally re­credit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. Once the investigation is complete, we will notify you of our results in writing. Please refer to our full Terms and Conditions and account disclosures for more information.

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.

Third Party Links

Links to non-credit union websites are offered only as pointers to sources of information on subjects that may be of interest to users of our website. While providing third party links which may be of interest to our members, the Bridge Credit Union, Inc. does not endorse, is not responsible for, or in any other way ensure the accuracy of said third party sites. The credit union is not responsible for the content of the alternate site; nor do we represent either the third party or the member if the two enter into a transaction; it should also be remembered that their privacy and security policies may differ from those practiced by the credit union. The credit union conducts all business involving members’ private data thru secure transmissions. Should a third party link be found inaccurate or offensive, please contact us and we will review the link for removal from our site.

Bridge Credit Union Mobile Apps are Now Available!

Download for Android

Download for Apple

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.

Avoid an ATM usage fee

Rates valid as of April 24, 2015 for up to 60-month term. APR = Annual Percentage Rate. Loans subject to credit qualification and approval. 1.99% APR for Bridge ConnectMORE Royal members using Automatic Payments for the term of the loan. APR based on a $25,000 loan with a rate of 1.99% paid in 36 monthly payments of $718.66. Document preparation fee of $95 applies. Document preparation fee may be waived and actual APR will vary based on your credit score, loan-to-value, age of vehicle, and payment method. Interest will accrue during deferral period and will increase the total amount to repay the loan. Offer is not valid on existing Bridge loans. 2% cash back up to $1,000 paid on August 3, 2015 for Bridge ConnectMORE Royal members. Payout amount is dependent on amount financed. For example: If you finance a $20,000 auto, you will receive a $400 payout. All accounts must be in good standing and meet Bridge ConnectMORE Royal qualifications on August 1st, 2015 to qualify for cash back. Cash back will be treated as a dividend payout and is taxable. Please consult a tax advisor to determine how cash back will affect your tax obligations. For ConnectMORE Royal qualifications, visit www.bridgecu.org/connectmore or call 800.434.7300. Offer ends July 10th 2015. Offer subject to change at any time. Bridge membership required.

Where do I mail my payments?

Bridge Credit Union, 1980 W. Broad St, Mail Stop # 0000, Columbus, OH 43223

When is my credit card payment due?

All credit card payments are due the 28th of each month.

How else can I make payments?

1. Direct Deposit: Setting up a direct deposit makes it easy for you to have regular, automatic deposits coming from your employer.  To set up a direct deposit, provide your employer with our routing number (244077909) and your account number.  You will need to tell your employer whether you want the funds going to your savings or checking account.
2. A2A: 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.
3. ACH: An ACH (Automated Clearing House) Origination may be established to automatically deposit funds into a Bridge Credit Union account. Funds will automatically be withdrawn from the specified financial institution where you have an existing account.
4. Check by Phone: You may call during normal business hours and make a payment using a check from another financial institution.
5. Card by Phone: You may also call during normal business hours to make a payment using a debit or credit card from another financial institution – fees may apply.

Need assistance with your payment? Give us a call at 800.434.7300

Online Payment Center

With Bridge Credit Union’s Online Payment Center you have a convenient option to make your loan or credit card payment via our secure website 24/7.

Coming soon!

Direct Deposit

Setting up a direct deposit makes it easy for you to have regular, automatic deposits coming from your employer.  To set up a direct deposit, provide your employer with our routing number (244077909) and your account number.  You will need to tell your employer whether you want the funds going to your savings or checking account. If you want your deposit split between accounts or to make a loan payment, complete our direct deposit form and fax, drop off, or mail the completed form.

State of Ohio Employees:  To set up a direct deposit simply visit: http://myohio.gov to use OAKS Self-Service. You must set up your deposit by the final Thursday of any pay period to be effective that period.

Have an account somewhere else?

A2A. With 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 Automatic Deductions. 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.

Payment in Person

Through our network of Shared Branches we have thousands of locations Nationwide where you can make payment/deposit to your Bridge Credit Union account. Learn More.

Payment Via Phone

We can also take check by phone or card by phone payment via during regular business hours. Fees may apply. Please contact us at 800.434.7300.

Money Market Savings

The more you save the more you earn. Our Money Market Savings Account offers competitive rates and easy access to your money, with the ability to transfer between your accounts. With the tiered rates, as your balance increases, so do earnings. The minimum balance to open a Money Market Savings is $1,000. Keep your balance above $1,000 and you’ll avoid a monthly fee. That’s it. There are no other requirements or hoops to jump through. Simply watch your savings grow!

Open a Money Market Savings Now

Special Savings

Sometimes you are saving for more than one purpose. At Bridge, you can conveniently distribute your deposits into multiple accounts. Manage your money easier by setting up multiple savings accounts for multiple purposes.

open a special savings now

Christmas Club Savings

Reduce the stress of the holidays. Start a Christmas Club savings account and have your Christmas paid before you start shopping! Select from one of three dates and the amount you saved is automatically deposited on the last day of either September, October, or November to your checking account (or if you don’t have one to your savings account).

Open a Christmas club account now

Open a primary savings account with Bridge

Open a primary savings account and you are on your way to enjoying the privileges of Bridge Credit Union membership. Painlessly build your savings account one deposit at a time through a distribution from your direct deposit. Deposits can also be made in person, at one of our shared-branch locations, at ATM’s that take deposits, by mail or through promise deposit (if enrolled).

Open a primary savings account now

You will need the following:

• Your Bridge account number and the 3-digit loan number (located on your statement or you can view via online banking).
• Have your account information ready. Payment Options:
  • You can pay using checking/savings account information (routing and account numbers) from another Financial Institution – the payment will automatically deduct from your other account.
  • OR  you can pay using a credit card/debit card^*– we accept VISA^®, MasterCard^® or Discover^TM.
• Finally, you’ll need your email address.

First time users will need to establish a username and password. Click the “PAY NOW” button to continue to the payment site. 

Pay Now

Payments made EASY!

You can set up an automatic reoccurring payment or schedule a one-time payment for any amount (transaction limits apply) – you decide!

Need Help?

For assistance with Bridge’s Secure Online Payment Center or for help making a payment, call us at 800.434.7300.

Terms & Conditions

To ensure on time payments, please complete your payment request by 3:45 pm 2 business days prior to. After 3:45 pm, the payment will post within 3 business days. ^*A fee may apply when payment is made via debit/credit card. Please refer to the full Terms & Conditions for complete details.

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What we offer for our members:

• Electronic products and services providing immediate accessibility and convenience.
  • Free electronic and telephone account access and inquiry.
  • Transfer funds between accounts, make a loan payment, pay a bill, see pending deposits, jump between joint accounts, transfer money to other member accounts, open accounts, apply for a loan, set up account alerts, and more.
  • Free mobile banking.
  • Free text banking.
  • Free electronic statements.
  • MobiMoney – a mobile app that offers cardholders a convenient way to manage their debit cards.
• Free online bill pay service
  • Pay a bill, a person, or transfer between financial institutions
  • Statement rewards — special personalized offers
  • Bill presentment — bills electronically presented directly to your bill pay account
• Free MasterCard debit card
  • Debit Card Roundup — build your savings with every debit card purchase
  • Prewards program
  • MasterCard Marketplace — discounted merchant offers
  • COMING SOON: Omni Shield eGuard — security for online purchases
• Thousands of free ATMs with several thousand locations statewide and many thousands nationwide
• Minor accounts, MasterCard debit card included (requires a qualified co-owner who is the parent or guardian)
• Free Shared Branching – almost 200 service centers statewide and thousands nationwide (Find a branch)
• Overdraft protection solutions
• Free check image inquiry
• MoneyEd: A Personal Finance Program
• Trinity Debt Management

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

Good news! Your next Visa statement will be consolidated onto your Bridge Credit Union account statement and your Visa activity will be available through your online banking account. With this change, there are a few important things you need to know:

• Your last Visa statement, which was mailed September 17, 2013, showed your payment due October 12, 2013. Starting in November, your official monthly due date will be changing to the 28th of the month. Your payment address will also be changing. Please mail your payments to:  Bridge Credit Union, 1980 W. Broad Street, Mail Stop#0000, Columbus, OH 43223.  Update this address on any electronic/online bill payments you have scheduled.
• Your first combined statement will generate October 31, 2013 and your payment will be due on November 28, 2013. Thereafter, you will have a regular monthly statement cycle.
• We will be transitioning your Visa information over the weekend of October 17 – October 20, 2013. During this time your Visa information will not be visible via online banking.
• Starting October 20, 2013, you will be able to access the transaction history from September 17, 2013 to present day. Transactions that occurred from September 17 to October 20, 2013 will be dated for October 20, 2013 on your statements.
• To view transactions that occurred prior to September 17, 2013 you will need to refer to past statements. These statements can be provided by the credit union free of charge, upon request. Please call 800.434.7300 if you need a copy of a past statement.
• Your rewards points will not appear on your first statement. You will see your points on your next statement, December 2013.
• More great features…this upgrade allows you to set up recurring payments and transfer funds immediately to/from your credit card, simply by using your online banking account.

We understand that sometimes change can be confusing. If you have any questions, give us a call at 800.434.7300, option 4, and select the option for our credit card department.

We want to save you money on your interest rate. We have a few easy ways to do just that.

• ConnectMORE Royal Rewards
• ConnectPLUS Retiree Rewards 
• Rate Match
• Direct Deposit Payment Setup
• Shorter loan payment term
• Newer model year
• Lower loan to value [loan to value means amount borrowed vs. value of vehicle]
• Higher credit score.  Contact our on-staff financial adviser for helpful tips on improving your credit score.

DEBIT CARDS

Bridge Credit Union Debit Cards

• To report a lost/stolen: 800-528-2273
• To dispute a charge: 800-808-6402
• To return fraud alert call: 800-889-5280
• To activate a card: 866-642-0450

Former Montgomery County Debit Cards

• To report a lost/stolen: 800.417.8715
• To dispute a charge: 800.434.7300 Ext. 202
• To return fraud alert call: 800.262.2024
• To activate a card:  800.992.3808

CREDIT CARDS

• To report a lost/stolen:   800.453.4270
• To dispute a charge: 800.600.5249
• To return fraud alert call: 800.369.4887
• To activate a card: 800.543.5073

Our Visa® Platinum Cashback Credit Card is perfect if
you want a flexible reward- what’s more flexible
than cash to spend on anything you want?

How Your Cashback Rewards Points Work

This low variable rate credit card pays Royal members 1.25% and non-Royals .50% cashback on qualifying purchases. Cashback rewards are paid monthly on qualifying purchases. For example, if you are a Royal member and spend $100, you will earn $1.25.

The amount you earn at the end of each month is determined on your membership level status at the end of the prior month. Therefore, your cashback rewards can change if your membership level status changes.

Your cashback rewards are paid monthly and deposited directly into your primary share account on the last day of the month for that month’s purchases.

Qualifying Transactions

Qualifying transactions include goods or services purchased with your card, less any credits for charge reversals or other refunds. These do not include cash advances or balance transfers. Further, cashback rewards will not be paid if your loan is 15 days delinquent at the end of the month.

Apply Now

*APR=Annual Percentage Rate. For new card accounts, the promotion allows both balance transfers and purchases using an APR of 0% for 6 billing cycles. For existing card accounts, the promotion allows for balance transfers using an APR of 0% for 6 billing cycles. At the end of the promotional period the rate will reset to the standard 11.90% APR on all balance types. Cardholders who are 30 days delinquent will lose the promotional rate and their account will resume using the standard 11.90% APR.

Click here for Visa Agreement.

If you have further question give us a call at 800.434.7300.

• Observed the last Monday of May.
• Formerly known as Decoration Day and commemorates all men and women who have died in military service for the United States.
• Started as an event to honor Union soldiers who had died during the American Civil War. It was inspired by the way people in the Southern states honored their dead.
• It is traditional to fly the flag of the United State at half staff from dawn until noon.
• Traditionally seen as the start of summer.
• Was once the marker of when to wear white clothing, particularly shoes. Fewer and fewer people follow this rule now.

Default rates can cost you big money

A default rate is the interest rate you’ll be paying if you’re late making payments. Some of these rates are pretty hefty, up to 29.99% annual percentage rate. With your Bridge Credit Union card, there is no default rate. Your rate always stays the same, saving you money in interest charges.

Contact Us

Questions or comments about the ScoreCard® Rewards program?

Telephone general assistance:
Call 800.854.0790 (24 hour support; closed major holidays)

Mail Inquiries to:
Award Headquarters
P.O. Box 31504
Tampa, FL 33631-3504

Note: When calling or mailing inquiries, please include the following:

• Name
• Address (including city, state and ZIP code)
• Daytime and evening phone numbers
• Email address
• Item number
• Order number

www.scorecardrewards.com

Why no balance transfer fee is important

If you transfer a balance on a credit card to take advantage of a low introductory rate on another, you may wind up paying more in fees than you save on the rate. These fees can range from 3% – 4%. We do not charge a balance transfer fee. You will find that this is almost unheard of and is a major benefit of transferring higher rate balances from other cards to our low rate Bridge credit card.

Help Set Bridge’s Vision | Board of Director’s Election

One of the many benefits of credit union membership is that we don’t have stockholders to pay. Instead, a volunteer Board of Directors governs the credit union and they represent the needs of the membership and provide vision and direction for the credit union. As part of this special democracy, YOU get a voice in your credit union.

There are three (3) vacancies for the three (3) year terms on the Board of Directors of Bridge Credit Union, Inc. Candidates’ biographies and the paper ballot are here for your review.

Ballots can be delivered to the Credit Union in many ways: submitted to your local Credit Union Representative, faxed to 614.728.8090, emailed to memberinfo@bridgecu.org, sent through the State Interoffice mail, or mailed directly to the Credit Union at: Bridge Credit Union, 1980 W. Broad Street, Mail Stop #0000, Columbus, OH 43223.

Vote Online!

State of Ohio Payroll Calendars

Bridge Credit Union Members receive pocket calendars in their statements each year. If you are not a member of the credit union, you can request a calendar from your payroll department (if they’ve made a supply request from us). State of Ohio Payroll/HR offices can request calendars by contacting us at 800.434.7300 or by emailing memberinfo@bridgecu.org. For a PDF printable version, please click below.

2016 State Payroll Calendar

2015 State Payroll Calendar

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.

***IMPORTANT NOTICE: Phishing SCAM targeting online banking SITES***

We have just become aware of a phishing scam targeting members engaged in online banking.

Please note that this scam is targeting many different online banking sites and is in no way exclusive to Bridge Credit Union. 

Members affected by this scam have a malicious program on their computer that displays a pop-up in online banking. The pop-up attempts to lure the member to a fraudulent site offering free gifts, games, credit checks, or other rewards.

If any member believes this has happened to them please report it immediately 800.434.7300. If the pop-up appears, log out of online banking and other sensitive online applications before navigating to other websites. Additionally, please refrain from conducting any sensitive online transactions until all malicious software has been removed from the computer. Do not click on the link or enter any personal information. 

As always, be extremely suspicious of pop-ups that appear in online banking.

NCUA Warns of Text Phishing Scam

Tell us what you need

We are building this credit union for you, our public and private transportation employees. In the coming months and years, we will be introducing financial products and services specifically for you. Tell us your story and what you need by emailing us at memberinfo@bridgecu.org.

Please check back periodically for great deals.

TruStage Insurance 

TruStage: Insurance the credit union way.

Insurance protection is part of a solid financial plan. From getting a good rate on coverage for your car to making sure your life insurance is adequate, dependable insurance coverage ensures financial relief when you need it. And along the way, you’ll take comfort in knowing you’re protected.

TruStage insurance products and programs help members protect what matters most. Backed by nearly 80 years of working in partnership with credit unions and their members, you’ll find products for life, car, AD&D, long-term care, home and more. TruStage offers straightforward information, real value and assurance. And it’s only for credit union members like you.

To learn more, get quotes or just explore, visit trustage.com.

Investment Services 

Annuities – Learn More

Investments Advisors – Learn More

© CUNA Mutual Group, 2012 All Rights Reserved. TruStage™ is a marketing brand used to identify products offered through CMFG Life Insurance Company and programs offered through CMFG Life insurance agencies to credit union members. CORP-1112-B43A

Member Forms

Many of your banking requirements can be initiated at home by simply completing and sending to us one of the following forms:

• Account Information for Direct Deposit
• Account to Account (A2A) Transfer Authorization
• ACH Orientation Agreement – Reoccurring Payments
• Card Holder Dispute Form (Visa/Debit Card)
• Declaration of Lost Check
• Debit Card Dispute (Former MCCU Members Only)
• Debit Card Round Up Enrollment Form
• Direct Deposit Form
• Incoming Wiring Instructions
• Loan Application
• MasterCard Rules for Cardholder Liability
• Membership Application
• Non-Joint Authorization Transfer
• Notice of Change of Address
• Outgoing Wire Transfer Form
• Payable on Death – Beneficiary Form
• Request to Close Account
• Request to Remove Joint Owner
• Skip a Payment Request
• Stop Payment Request
• Youth Account Agreement & Parent/Child Contract
• Visa Application
• Visa Balance Transfer Slip
• Visa – Add Authorized User(s) Form
• Visa Card Account Agreement
• Written Statement of Unauthorized Charge

Fax forms to 614.728.8090, email to memberinfo@bridgecu.org, or mail/drop off at our office.

Bridge Credit Union, Inc.
1980 W. Broad Street
Mail Stop #0000
Columbus, OH 43223

Easily grow your kid’s savings account

Enroll your debit card in Debit Card Roundup and we will round up your debit card purchases to the nearest dollar and deposit the extra change into your kid’s savings account automatically. It’s one of the easiest and painless ways to save!

Call us at 614-466-4988 to enroll today or complete our Debit Card Round-Up Enrollment Form.

Explore Exclusive Member Discounts

LoveMyCreditUnion.org is a valuable discount, educational, and resource site for Bridge members. Bridge members have exclusive discount savings at major US companies like TurboTax, Sprint and more. Visit LoveMyCreditUnion.org and explore more benefits of being a Bridge Credit Union member.

Lifetime Membership for You and Your Family

The best gifts are those that give back over and over again and cost nothing. Membership can be freely gifted to your family who will reap the rewards for years to come. Why not pass on the exclusive value you have experienced to your loved ones? This is one gift that won’t get tucked under the bed, it’ll be one that they’ll actually thank you for!

We like to say “Our family tree has many branches” because all of our products, services, special rates and benefits are available to your family, including:

• Spouses
• Children
• Parents
• Siblings
• Cousins
• Grandparents
• Uncles and Aunts

Become a Member

Student Loans

The cost of a college education is expensive, but worth every penny. Maximize scholarships, grants, and federal loans. These are the least cost ways to pay for a higher education (short of mom and dad). However, when that’s not enough, we can help. We offer a private student loan program that allows for the loan to be placed in the student’s name. This helps build credit for the student. Also, no payments are required while the student is enrolled at least half-time. This takes the pressure of payments off and keeps the focus on learning.

Visit our student loan section of our site for more information.

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.

Our Youth Auto Loan is an excellent way to start building credit

Building a credit history is tough. To get credit, you have to have credit. And if you have no credit, how do you get it?  We have the solution:  A Bridge Credit Union Youth Auto Loan. This program is open to all members aged 16-18 and offers all of the benefits and rates of our regular vehicle loans. All that is required is a qualified co-borrower who is the parent or guardian. After twelve months of favorable repayment history and when the minor is 18, the co-borrower can request to be removed from the loan.

Apply or call our lending department for more information about this unique product at 614-466-4988.

Apply Now

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.”

Debit Card Roundup

Enroll in our Debit Card RoundUp and we will round up your debit card purchases to the nearest dollar and deposit the extra change into your savings (or whatever account you designate) automatically. It’s easily and painless.

Call us at 614-466-4988 to enroll today or complete our Debit Card Round-Up Enrollment Form.

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.

Youth Savings Accounts

Encourage your children to start saving with a Youth Savings Account from Bridge Credit Union. First, open a new savings account for each child with our Youth Account Application (or visit our office). Second (optional), print the Parent-to-Kid Savings Contract (P2K) and complete it. This simple contract allows your child to list a savings goal (a bicycle, video game, or other ‘want’ or ‘need’). It’s a great way to reinforce good savings habits and making (and sticking to!) goals.

Protection Products Available

Prepare yourself for the unexpected with these low cost insurance products:

• Disability Insurance – Pays your loan payment in the event of disability. Our insurance is less expensive and provides better protection than many of those offered by other finance companies.
• Credit Life Insurance – Pays your loan in full in the event of death.
• Gap Insurance – If you are in an accident and your insurer considers your vehicle a complete loss this extremely low cost insurance will pay the difference between the fair market value and your loan balance. Plus, you’ll get an extra $1,000 towards the purchase of your next vehicle if you finance with us!

Rate Match

We put our low rates to the test. If you find a better rate, we’ll match that rate up to 1% off our advertised rate.

Skip a Payment

Unexpected expenses happen in life and you may not always have the money to pay for them. With our unique Skip a Payment feature, you can skip a monthly payment and use that money for whatever you want.  Simply complete the attached Skip a Payment form and email to memberinfo@bridgecu.org or fax to (614) 466-5118.

Reorder Checks

All you will need to reorder your checks is your unique reorder id and starting check number, this information can be found on the reorder form in your previous check order. If this is your first box of checks, simply contact one of our membership services representatives at (614) 466-4988 or 800-434-7300.

Order Checks Online

*APR=Annual Percentage Rate. For new card accounts, the promotion allows both balance transfers and purchases using an APR of 0% for 6 billing cycles. For existing card accounts, the promotion allows for balance transfers using an APR of 0% for 6 billing cycles. At the end of the promotional period the rate will reset to the standard APR on all balance types. Cardholders who are 30 days delinquent will lose the promotional rate and their account will resume using the standard APR. Cashback rewards are deposited directly into your primary share account. Cashback rewards will not be paid if your credit card is 15 or more days delinquent. Cashback will be treated as a dividend payout and is taxable. Please consult a tax advisor to determine how cashback will affect your tax obligations. Offer subject to change at any time. Bridge membership required.

Report a lost/stolen Mastercard debit card

To report a lost or stolen debit card, call (614) 466-4988 or 1-800-434-7300 M-F 8:00 a.m. to 4:00 p.m. EST

After hours or on weekends, call  (800) 528-2273 or (800) 782-0279.

Report a lost/stolen Visa credit card

To report a lost or stolen credit card, call (614) 466-4988 or (800) 434-7300 M-F 8:00 a.m. to 4:00 p.m. EST

After hours or on weekends, call (800) 808-7230 8:00 a.m.- 10:00 p.m. EST or (800) 991-4964 after hours/weekends

Debit Card and PIN Info

MasterCard debit cards offer the ultimate in convenience and financial control by combining the worldwide acceptance and benefits of MasterCard cards, with an immediate deduction of funds from your checking account. From banking to everyday purchases, whether shopping, dining or traveling the world, to tracking expenses and paying bills, you’ll enjoy these benefits plus more with every card:

• Worldwide acceptance
• Enhanced security
• Easy record keeping
• 24-Hour banking
• Cash access from ATM’s displaying the Plus, Jeanie, Pulse, MasterCard, or Co-op signage
• No machine owner fees at any Fifth Third-owned ATMs, Alliance One or Co-op networks.
• Cards are issued with daily limits for cash withdrawals and point of sale purchases. If you need to increase these limits, contact our office at 614-466-4988.

To reduce your risk of online fraud, enroll your card with MasterCard Secure Code at no cost to you.

Courtesy Advance

Courtesy Advance (Negative Over-Drafting) – Bridge’s OPT-IN Courtesy Advance provides you with a cushion that will permit an account to be withdrawn up to $500 after current overdraft protection arrangements have been utilized (ex: transfers from savings). Checking accounts opened for more than 90 days are eligible for this opt-in program. Courtesy Advance is a non-contractual agreement and the coverage is extended to any account that opts-in, as long as the account remains in good standing. Most transactions such as checks, cash withdrawal, debit card purchases, on-line bill pay payments, etc. are covered up to the $500.00 limit. We will apply a fee for each transaction that we honor and will notify you each time your Courtesy Advance service is activated.

Amplify your rewards – formally Prewards

Ampre is one of the easiest way to save on the planet. In other words, pretty easy! Once you register your Bridge debit card, you are ready to save at hundreds of local and national merchants. Offers come in three varieties – national, local and special offers. It’s no hassle and the savings are automatically put on your card.

Cash back offers are tied directly to your card from the most popular brands. Create an account with your Bridge debit card. Merchants can vary throughout the year, so once you register, check back often to view the current offers.

Register now!

Overdraft Protection Solutions

• Overdraft from other deposit accounts – We can set up an automatic transfer between accounts to cover overdraft situations. There is no set up fee and no monthly service fee.
• Overdraft from Loans – A loan to cover overdraft situations is available as an added layer of protection.
• Courtesy Advance (Negative Over-Drafting) – Bridge’s Courtesy Advance provides you with a cushion of up to $500 in overdraft protection. Most transactions such as checks, cash withdrawal, debit card purchases (if opted in), on-line bill pay payments, etc. are covered up to the $500.00 limit. We will apply a fee for each transaction that we honor.

Call 800.434.7300 or email memberinfo@bridgecu.org to learn more or to sign up for our overdraft protection solutions.

FAQs – Regarding Regulation E (Overdraft Fees) 

Commercial Drivers License (CDL) Loan

We offer a unique loan product designed specifically for Commercial Drivers. The Commercial Drivers License (CDL) Loan was created specifically to bridge the gap between the need for commercial drivers and the training required for licensing.  We offer this customized loan with a low rate and no payment for 90 days.  These features provide our student drivers with an affordable payment and enough time to start earning a paycheck before their first payment is due.

 Loan Benefits

• Loan for the cost of classes & licensing
• Low rates
• 90 days no payments
• Individualized approval criteria
• Easy payment options
• Stress-free & fast application process

If you’ve had past problems and want a fresh start, this is the account is for you.

Clear Path Checking

We believe past mishandling of a checking account should not mean you’re denied the opportunity to start over.  At Bridge Credit Union, we have created a way to open a checking account now, with the ability to upgrade once you’ve established a good history.  The Clear Path checking account gives you most of the features of our Crystal Free and Diamond Dividends account, with a low monthly fee of $8.95.

ATM Fees

We do not charge an ATM usage fee on the first 4 ATM withdrawals.  After that, we charge a $2.00 fee for each transaction.  ATM machine owners may charge an additional fee unless you use one of our free ATMs. If you find you are a heavy ATM user, consider visiting your ATM once a week and withdraw enough to cover you for the week.

Upgrading your account

We want you to enjoy the benefits of an account that charges you less. Once you meet the criteria listed below, you can apply for a Crystal Free or Diamond Dividends checking account.

• Clear Path checking account member for one year
• Favorable checking account history
• Save $250 in a savings account over 1 year
• Complete the MoneyED “Managing Your Checking Account” financial literacy class

MoneyED

Whether you’re looking to learn more about maintaining a checking account, obtaining a loan, or learning more about personal finance, each course will prepare you to make wise financial choices. When you’re finished, take the quiz at the end of the chapter to measure your success. Simply click here to get started!

Call us when you’re ready to upgrade and we’ll be happy to assist you.

Open account now

If you are a power user who keeps a higher balance, this is the account for you.

Diamond Dividends checking

Our Diamond Dividends checking is an account that lets your money work for you by paying dividends.  There are no requirements to receive the standard dividend rate.  If you have the account, it’s yours.

The more you use your account, the more you get

As an extra benefit, the Diamond Dividends account will pay you an astonishing rate of 10% annual percentage yield (apy) on the first $1,500 adb and our standard dividend rate on the remaining balance.  To receive this higher dividend, there are a  few requirements:

• You need to use your debit card 35 times during the month (or a little over 1 a day).  Thirty five transactions may seem like a lot, but you’d be surprised how often you use your card.
• You need to be enrolled in electronic statements.
• You need to be enrolled in and use your bill pay account at least once every 60 days.
• and, your account must receive direct deposits that are greater than $1,000 per month.

ATM Fees

We do not charge an ATM usage fee on the first 8 ATM withdrawals. After that, we charge a $2.00 fee for each transaction.  ATM machine owners may charge an additional fee unless you use one of our free ATMs. If you find you are a heavy ATM user, consider a free cash back option when you use your debit card at participating merchants, generally grocery stores or gas stations. For cash back transactions, you will need to enter your PIN.

Monthly Service Charge Fee

To avoid the monthly fee, you’ll need to maintain a daily balance of $1,500.00 in your account. If, during any day, your account balance falls below the required minimum daily balance, a fee of $4.95 will be assessed.

Open Account Now

If you need a great checking account with no fuss or maintenance fees, this is the account for you.

Crystal Free Checking

Our Crystal Free checking account is our classic, simple checking account. This account gives you every feature you’d expect from a checking account without a monthly fee or minimum balance requirement. This account is perfect for normal, everyday spending and those members who do not carry high average daily balances.

ATM Fees

We do not charge an ATM usage fee on the first 6 ATM withdrawals.  After that, we charge a $2.00 fee for each transaction.  ATM machine owners may charge an additional fee unless you use one of our free ATMs. If you find you are a heavy ATM user, consider a free cash back option when you use your debit card at participating merchants, generally grocery stores or gas stations.  For cash back transactions, you will need to enter your PIN.

Open Account Now

Learn more about Bridge and watch what our members have to say about their credit union.

We make switching to Bridge easy! Simply join and we’ll do all the work for you. Membership is extended to employees and retirees of the following (and their immediate families):

• Distribution, Logistics, Construction, Engineering and Warehousing sectors of the Transportation Industry within Central Ohio
• Don Scott Air Field
• Everyone who lives, works, or worships in Montgomery County (Dayton, OH) or Hilltop Community (West Columbus, OH)
• Good Samaritan Hospital Employees (Dayton, OH)
• Montgomery County Employees (Dayton, OH)
• Ohio Department of Youth Services
• Public Transportation Agencies
• The Columbus Developmental Center
• The Ohio Department of Administrative Services & Budget Management
• The Ohio Department of Public Safety
• The Ohio Department of Transportation
• The Transportation Research Center Ohio
• Twin Valley Behavioral Healthcare and Medical Complex

Join Now

Press

When we have important news to share (besides the obvious of how great Bridge is!), we’ll post it right here. Check back once in awhile to read the latest buzz.

Columbus Chamber of Commerce

Switching Gears: The Powerful Connection Between Bridge Credit Union and Roadmaster Drivers School of Ohio, Inc.

Columbus Business First

Bridge Credit Union and Roadmaster Driver School partner to put truckers on the road.

ODOT credit union going for more customers with branding change to Bridge Credit Union

Credit Union National Association

CUNA announces winners of the 2013 Dora Maxwell and Louise Herring Awards

GoBankingRates.com

Study Finds the Best Interest Rate in All 50 States

Careers – Come be a part of the Bridge difference!

Bridge offers a career, not just a job. Our employee rewards package includes competitive salaries, incentive programs, comprehensive medical/dental/vision benefits, retirement plans with employer match, professional development programs, and paid leave.

Bridge is also a place to grow professionally. Bridge is where goals aren’t just numbers, but a passion to make our members lives better. Our Bridge team is made up of unique individuals whose talents and experiences provide the ultimate member experience. As positions open up, we will post those here.  Stop by every once in a while to see if a great opportunity awaits you. Email general resumes to jobs@bridgecu.org 

FAQs

What is Bridge’s routing number?
244077909

Send us questions you’d like answered (through our contact us form) and we’ll post the answers here.

Our Visa® Platinum Rewards Credit Card is perfect for
someone who wants peace of mind with a fixed rate.

Your Bridge Platinum Rewards Card not only has an excellent interest rate and fee structure it also earns you bonus points every time you use your card or transfer a balance. These points can be used for travel, merchandise, and “experiences” (think Safari in Africa). These points never expire and can be saved indefinitely. And, unlike other cards where you have to sacrifice a rate or pay an annual fee to obtain rewards (or cash back), we package it at no additional “cost” to you.

If you have a Bridge Platinum Rewards Card and want to create a profile or check your points or look through a catalog, visit www.scorecardrewards.com. It’s important to remember that your Scorecard profile expires if you haven’t signed in for 60 days. Your points are still valid, you just can’t view your account. You will be asked to contact the 24 hour customer service line to unlock the account.

Apply Today!

Our Visa® Share Secured Credit Card is perfect for
someone who is building or rebuilding credit.

How Your Share Secured Credit Card Works

The credit card is secured by your Bridge share account so you’ll earn dividends while building your credit. Plus, you get to pick which rewards card is best for you.

APPLY NOW

GET PAID NOW | Regardless of when your customer pays

Imagine: For the cost of accepting a credit card, your business can receive payment on sales within a few days.

NOWaccount is the first merchant service for B2B, and gets your business paid now. You decide which of your accounts receivable you want to receive payment, and NOWaccount gets you paid while your customers continue to enjoy the free and flexible payment terms they require.

Why it’s great

• You get paid faster. Period.
• You choose who you put through.
• No credit risk to you. Offload your liability for non-payment.
• Offer the terms you want.
• Non-intrusive. You send invoices to customers, like you normally do, with your name and logo.NOWaccount is invisible to your customer.
• Free for you to try, thanks to your credit union.

How it works

• Day 1: You submit an invoice to NOWaccount.
• Day 3 – 5: You receive 90% of the invoice.
• Day 30+: You receive the other 10%, less the fee*, 30 days after invoice due date.

*Fee is based upon payment terms, not when or if your customer pays NOWaccount.

Click here for more information on NOWaccount.

Use your card with peace of mind: You are protected

Zero Liability

Your Bridge Platinum Visa Rewards Card can protect you from unauthorized purchases made through theft or fraud. Contact us immediately at 614-466-4988 if you notice your card is missing or an unauthorized charge appears on your account. You may not be liable for any of the charges.

Verified by Visa

Enroll your Bridge Platinum Visa Rewards Card in Verified by Visa.  This program protects you from fraudulent online charges.  Learn more.

Travel Insurance

Use your card when booking airline tickets and you receive $250,000 in travel insurance. This insurance also covers you to and from the terminal.

Emergency Card Replacement and Emergency Cash Disbursement

Not being able to use card due to it being lost, stolen, or damaged can put you in a bind. Have peace of mind with your Bridge Visa card knowing you can get an emergency cash advance or your card replaced within one business day, or in some cases, within 24 hours, after approval. Call the Visa Global Customer Care department at 800-847-2911.

Auto Rental Collision Damage Waiver

You are protected against damage due to collision or theft when you use your Bridge Visa card to pay for your rental vehicle. To activate coverage, complete the entire rental transaction with your card and decline the collision damage waiver coverage if offered by the rental company. If you have any questions, call our Benefits Administrator at 800-847-2911. Learn More.

Tips Provided By: AnnualCreditReport.com 

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

*APR=Annual Percentage Rate. **Balance transfer cashback bonus does not apply to existing Bridge Credit Card or former Montgomery County Credit Union Credit Card balances. Cashback rewards are deposited directly into your primary share account. Cashback rewards will not be paid if your credit card is 15 or more days delinquent. Cashback will be treated as a dividend payout and is taxable. Please consult a tax advisor to determine how cashback will affect your tax obligations. Rates valid as of March 15, 2016. Offer subject to change at any time. Bridge membership required.

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?

1. 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.
2. Bookmark our mobile banking site on your phone for quick and easy access on the go.
3. 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.
4. 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.
5. Call, email, or visit to find out more about our eServices or overdraft protection plans.

Get covered with low-cost bundled insurance products

Disability Insurance Pays your loan payment in the event of disability

Credit Life Insurance Pays your loan in the event of death

Trustage Through our partnerships, we are able to offer you discounted auto and homeowner’s insurance – get a quote today.

Gap Insurance If you are in an accident and your insurer considers your vehicle a complete loss this will pay the difference between the fair market value and your loan balance. Plus, you’ll get an extra $1,000 towards the purchase of your next vehicle if you finance with us!

mPower™ Insurance Protection Packages To protect our members from high unforeseen repair costs, we offer our members a Vehicle Protection Package which includes: Vehicle Return Protection, Tire & Wheel Protection, Paintless Dent Protection, and Vehicle Mechanical Protection. We are able to offer this coverage to our members at a cost substantially less than what is offered by most dealerships.

Any member of an Ohio-based credit union who is in good standing and currently attends or has been accepted to attend a college or university, in pursuit of an undergraduate degree, may apply. Proof of acceptance/enrollment will need to be submitted upon request. Employees and board members of the Ohio Credit Union League and its affiliates or related organizations, including the Ohio Credit Union Foundation and their immediate family members, are not eligible.

We make the loan process easy

Whether you want to apply for a loan at 2 a.m. from the privacy of your home or call us during business hours and talk to our loan officer, you can do it. We make it easy to apply for a loan.

• Online or mobile – anytime or anywhere.
• Call us at 614-466-4988 or 800-434-7300, option 4
• Paper application, fax to 614-728-8090 or mail to 1980 W. Broad Street, Mail Stop #0000, Columbus, OH 43223
• Stop by and apply in person

Sign your loan online, get your funds quicker

To make it easier to sign your consumer loan and to get your loan funds faster, we offer members the option of signing their loan electronically, online, using DocuSign.

• DocuSign is an electronic signature web-based software, which allows contract signers to provide an e-signature to contract documents.
• DocuSign simplifies the signature process, saves paper, and cuts the time until disbursement. The signatures are legally binding, so we can fund your loan as soon as the contract has been e-signed.

You’ll also be able to download a copy of your loan documents on demand, during or after the signing process. And, all parties will be notified by email when the loan documents have been signed by all parties.

APY* = Annual Percentage Yield. Option to bump up rate (one time for certificate under 24 months and twice for certificate over 24 months) only during the initial term requires you to contact Bridge to redeem before the maturity date. Rate is fixed during the certificate term. Rate change option will be the rate being offered on Second Chance Certificate of equal term of maturity as the original term of this share. Advertised rate and APY are offered at the credit union’s discretion and may change daily. $1,000 minimum opening deposit. This credit union is federally insured ($250,000 per owner on account) by the National Credit Union Administration. Additional coverage up to $250,000 provided by Excess Share Insurance Corporation, a licensed insurance company.

TruStage Insurance

TruStage: Insurance the credit union way.

Insurance protection is part of a solid financial plan. From getting a good rate on coverage for your car to making sure your life insurance is adequate, dependable insurance coverage ensures financial relief when you need it. And along the way, you’ll take comfort in knowing you’re protected.

TruStage insurance products and programs help members protect what matters most. Backed by nearly 80 years of working in partnership with credit unions and their members, you’ll find products for life, car, AD&D, long-term care, home and more. TruStage offers straightforward information, real value and assurance. And it’s only for credit union members like you.

To learn more, get quotes or just explore, visit trustage.com.

© CUNA Mutual Group, 2012 All Rights Reserved
TruStage™ is a marketing brand used to identify products offered through CMFG Life Insurance Company and programs offered through CMFG Life insurance agencies to credit union members.
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Bridge Connections Quarterly Newsletter

Bridge’s quarterly newsletter, Connections, is designed to provide educational information about Bridge’s products, services, events, and activities. It is intended to help our members get the most from their credit union.

To view the current edition or a later edition of Connections, click on the link below.

Summer 2017

Spring 2017

2016 Annual Report

Winter 2016

Fall 2016

Summer 2016

Spring 2016

2015 Annual Report

Winter 2015

Fall 2015

Summer 2015

Spring 2015

2014 Annual Report

Winter 2014

Fall 2014

Summer 2014

Spring 2014

2013 Annual Report

Winter 2013

Fall 2013

What is Promise Deposit?

Promise Deposit allows you to deposit your check without making a trip to either our office, ATM, or shared branching location. Once you’re approved for this service, check deposits are as simple as signing in to your online banking account (yet another reason to have one!) and following a few simple clicks. You’ll receive immediate credit for the deposit. However, if we are unable to provide immediate credit, we’ll let you know.

How do I enroll in Promise Deposit?

Members must be enrolled in order to enter a deposit into online banking. Members can request enrollment via online banking, once approved, the member can start making deposits. To request enrollment for Promise Deposit privileges while in online banking (after logging in), hover over My Accounts and choose Promise Deposits (This is the same link  used later, after they’ve been enrolled, to post an actual deposit). Click the “Enroll me in Promise Deposits” link at the bottom of the page.  You will continue to see this message when clicking on the Promise Deposits link, until an Bridge approves the enrollment request.

How do you make a deposit once enrolled in Promise Deposit?

Once a member has been enrolled, the Promise Deposits button on the My Accounts (in online banking) drop-down can be used to post a deposit, reprint a deposit slip, verify checks that need to be mailed, and check on due dates for previously posted deposits.

• To start a new deposit click the “Create a New Deposit” button with in your online banking. Although all fields can be entered to help identify the specific check, only the following fields will actually be required: the check number, the date, and a dollar amount.
• After all the required fields are complete click the “Add this check…” button
• As each check is added and confirmed, the list at the bottom of the page will be updated to show the entire deposit and all of the checks that will need to be placed in the envelope.
• Click the “Complete this Deposit” button to submit.

At this point the deposit has already been completed, and the transaction has been posted to the designated account. You will need to follow the instructions on this page. You can simply navigate to any other page in online banking, or start another deposit, or click the “View Current Promise Deposits” button to display this page.

For more information on Promise Deposit you can call 800.434.7300 or Click Here.

eAlerts/eNotices allow members to request electronic alerts when account balances get to a certain level, when ACH items are posted, when loan payments are coming due, or when an eNotice is generated. For questions or to sign-up call 800.434.7300 or Click Here.

What is Text Banking?

Enrolled members can text-message requests and receive text message replies on the available balance on their accounts at any time. They can also select to have eAlerts, such as balance alerts, sent to their mobile devices in the form of a text message, giving them timely feedback when their available funds drop below a desired level.

What are the benefits of text banking?

• Members can text message requests and receive text message replies on the available balance on accounts of enrolled memberships.
• Members can enroll in e-Alerts and select to have the alerts sent to them in the form of a text message.

How do I enroll in text banking?

You can enroll in Text Banking by clicking on “Go Mobile” at the top of the It’s Me 247 toolbar. Then select Text Banking to access the enrollment screens.

How secure is text banking?

Our Text Banking service is secure. You can activate the service only when you are securely logged into your online banking account. Text messages will never contain confidential information about you or your accounts. Messages will never contain full account numbers.

Will I be charged for text banking?

Bridge provides this service free of charge, your mobile phone carrier may charge you standard text messaging fees. Please check with your mobile phone carrier if you aren’t sure what fees apply when you send and receive text messages.

What is Mobile Banking?

Mobile Banking is an automatic redirect from the standard Online Banking website. Mobile Banking has a similar features, but with views optimized for web browsers on mobile devices. This service is provided free of charge to Bridge Members.

What can you do in Mobile Banking?

• Check account balances of savings, checking, certificate, credit card and loan accounts (both available and current balances).
• View transaction history for these accounts.
• Transfer funds to other accounts.
• Pay bills via Mobile Banking Bill Pay
• View pending ACH transactions (if they exist).
• View pending authorizations for credit cards (if they exist)
• View funds on hold for savings and checking accounts
• View online banking messages.