• Share Draft (Checking) Accounts
  • Reorder Your Checks Online
  • Courtesy Pay
• Direct Deposit
• Payroll Deduction
• Debit Cards: Signature vs. PIN
• VISA Check/Debit Card
  • Lost Debit Card Hotline
  • *Debit Card Compromise Update*
  • ATM Locators
    • Allpoint ATM Locator Surcharge-Free ATMs
    • Co-Op Network Surcharge-Free ATMs
    • Alliance One Surcharge-Free ATMs
    • Sheetz Surcharge-Free ATMs
      
• Direct Connect
  our 24-Hour Phone Teller
• CU@Home & Bill Payer
• eStatements
• Shared Branching
• American Express Travelers Cheques
• Wire Transfers
• Balance Financial Fitness Program

Also available through your Credit Union:

• Family Membership
• Quarterly Statements
• Fax Service
• Photocopies
• Certified Checks
• Night Deposit
• Toll Free Number
• Loan Applications Via Fax
• Pre-Approved Loans
• Notary Service
• Temporary Disability Insurance
• Mechanical Breakdown Insurance
• New Car Cost Guide
• Gift Cheques

Share Draft (Checking) Account

A Share Draft (Checking) Account offers the convenience of checking and these benefits:

• No monthly service charge
• No minimum balance required
• ATM/debit card
• Overdraft protection through savings and loan accounts
• Dividends posted at the end of each month
• Direct Deposit
• Payroll Deduction
• Automatic payments

Click here for Fees and Policies.
Click here for our Funds Availabilty Disclosure.

• Reorder Your Checks Online

Contact Us via Email

Courtesy Pay
Now all members with Checking Accounts in good standing* will automatically receive overdraft protection on all transactions up to $750.

Bounced Checks Go Away With Courtesy Pay!
Transactions Types Covered Include:

• Checks
• ATM
• Bill Payer
• ACH
• Debit Cards
• On-Us Checks

Courtesy Pay, another way your credit union serves you better!

How Courtesy Pay Works…
Suppose you have a transaction that attempts to post to your share draft account for $100.00. The available balance in the draft account is $50.00 and the available balance in the share account is $25.00. Without the Courtesy Pay Service, this transaction would be returned to the merchant as a non-sufficient funds item. Your account would be charged a $25.00 NSF Fee and you would have whatever fees the merchant charges. However, with Courtesy Pay, the item would clear your account and you would only be charged a $25.00 Courtesy Pay fee.

If you would have any questions regarding this new service, please feel free to contact us at 800-272-6003 or 304-455-4029 Ext. 1471.

*Some restrictions apply. Contact the credit union for complete details.

Direct Deposit

It's the safest way to deposit your net pay, Social Security, pension, or other regular check(s) into your credit union account. Your money is electronically transferred and immediately available every pay period.

To set up Direct Deposit of your net funds, you will need to furnish the following information to the institution you are asking to send the direct deposit:

Bank Name: Bayer Heritage Federal Credit Union, RR 1 Box 12, Proctor, WV, 26055

Bank ABA#: 243475829

Your Credit Union Account Number (no dashes):

Account Type: Savings or Checking

Payroll Deduction

You can have a portion of your net pay deposited directly into your credit union account(s). It's a great way to establish a no excuses savings plan and to make loan payments automatically.

Contact us to set up your Payroll Deductions.

Direct Connect - Our 24-Hour Phone Teller

Dial Direct 304-455-6548
Dial Direct 800-695-8519
Dial 800-272-6003 Option 7
Dial 304-455-4029 Option 7
Download & Print:
Direct Connect Menu Options

Do it all with Direct Connect!

This service provides everything you need to manage your accounts by phone 24 hours a day, 7 days a week! And it's FREE!

Most checkbooks get balanced during the evening hours. Remembering to transfer funds? That's usually something you remember in the middle of the night! But with Direct Connect, you can still access your Bayer Heritage Federal Credit Union (BHFCU) Account whatever time it is.

Just because it is the end of our business hours doesn't mean the end of your account access. With Direct Connect, your 24 Hour access allows you to:

• Get up-to-the-minute account balances.
• Transfer funds between BHFCU accounts.
• Take an advance on your revolving credit.
• Keep track of cleared checks.
• Check out rates for loans and investments.
• Keep track of your ATM transactions.

It's Easy To Use!

Clear, easy-to-follow voice prompts walk you through any transaction. There's no need to memorize complicated codes.

Just call Direct Connect at 304-455-4029, ext. 7.

Sign Up Today!

Print out this online form and complete it as follows:

1. Select a Personal Identification Number (PIN). This can be any 4-digit number of your choice.
2. Mail the completed form to the credit union or contact a Member Service Representative by phone to set up your PIN. (You can also fax your information to 304-455-6618, but we do not recommend it for security reasons.)
3. We will activate your PIN upon receipt of your application. Then you are ready to Direct Connect!

If you have any questions, please call us at 800-272-6003. We'll be happy to help.

Debit Cards:
Signature vs. PIN

Credit or debit? You probably hear this question a lot - when paying for your groceries, while checking out at the department store, or any other time you use your Bayer Heritage FCU VISA^® Debit Card.

Regardless of how you use your card, the funds are automatically deducted from your credit union Checking Account. Though you may not know the difference between using your card as credit or debit, it may be in your best interest to learn the facts. Here's a breakdown of the major differences between using your card as credit vs. debit:

• Signature-based transactions (using the card as credit) have the same chargeback/dispute rights as credit card transactions and are more financial institution friendly.
  
  
• PIN-based transactions (using the card as debit) are covered by a separate set of chargeback rules that are more favorable to merchants.
  
  
• VISA's Zero Liability policy applies only to signature-based transactions.
  
  
• PIN-based transactions carry a higher card compromise chance due to PINs being involved.
  
  
• Signature-based transactions carry a higher interchange rate for the credit union, therefore, increasing revenue.

If you're currently using your card as "debit," it may benefit you to use your card as "credit" instead. It provides greater safety and security for you and greater revenue for the credit union.

"Credit or debit?" Next time you're asked this question, respond with "credit," then swipe and go! It's as easy as that!

VISA Check/Debit Card

• Lost Debit Card Hotline
• *Debit Card Compromise Update*
• ATM Locators
  • Allpoint ATM Locator Surcharge-Free ATMs
  • Co-Op Network Surcharge-Free ATMs
  • Alliance One Surcharge-Free ATMs
  • Sheetz Surcharge-Free ATMs

It's two cards in one.

Use it as a VISA Check Card to:

• Purchase goods and/or services at places that accept VISA cards -- no ID hassles or check acceptance problems. Your purchase is automatically deducted from your Credit Union Share Draft/Checking Account.
• Simply swipe your card, and sign the sales slip.
• Order goods or services by mail or telephone from places that accept VISA cards.Your purchase is automatically deducted from your Credit Union Share Draft/Checking Account.
• Make automatic payments from your account to pay bills and/or other charges, provided that the payee agrees to accept payments in this manner.

Verified By VISA
With Verified by VISA protection, you'll make online purchases the same way you always have, with one exception. After you type and submit your payment information, you'll be asked to confirm your password by participating Verified by VISA vendors. Your password confirmation is the extra step that secures your account from fraudulent and unauthorized use. Just go to www.visa.com/verified today and take advantage of this new service from VISA.

Use it as an ATM card to:

• Withdraw cash from your account at ATMs and Point-of-Sale (POS) terminals.
• Transfer money between your BHFCU accounts accounts.
• Verify account balances.
• Access your credit union accounts at any ATM.
  
  Please note: Network (i.e., American Express, MAC/STAR, Cirrus, Exchange, Star, etc.) surcharges still apply if using an out-of-network ATM. Look at your ATM/Debit card for applicable network compatibility.

NOTE: Visa Check/ATM cards are ONLY available to checking account holders. If you do not have a Share Draft (Checking) Account, apply for yours now.

ATM Locators

• Allpoint ATM Locator Surcharge-Free ATMs
• Co-Op Network Surcharge-Free ATMs
• Alliance One Surcharge-Free ATMs
• Sheetz Surcharge-Free ATMs

ZIP CODE

The use of any ATM machine with the Allpoint logo will be surcharge free, even though a screen may state that you will be charged.

Alliance One Surcharge-Free ATMs
Save by using Alliance One ATMs. These are selective-surcharging ATMs in 32 states. The alliance was formed to provide credit unions the ability to offer their members access to surcharge-free ATM terminals -- especially when traveling, but now includes members of other types of financial institutions such as community banks and thrifts.

Members of participating financial institutions can look for the blue and white Alliance One logo on ATMs, or click here to locate a convenient selective-surcharging ATM nearby.

Remember, you can view your account transaction history 24/7 with our CU@Home online account service.

Available Now:

Looking for a Branch Near You?

Did you know that you can access your Bayer EFCU accounts at more than 2,000 locations nationwide, at no additional cost?

Bayer EFCU is a proud participant in Shared Branching, a fast-growing national and international network of credit unions that allow members of other credit unions use their branches to conduct basic teller transactions. The Shared Branching network currently consists of more than 2,000 locations nationwide, including more than 120 in Ohio.

Whether you are moving across town or across the country, you can search for a Shared Branching location near you at the Shared Branching Web site at www.SharedBranching.org.

Simply enter the city, state or zip code of your area of interest for a listing of the closest Shared Branching locations. It’s that easy!

When conducting a transaction at a Shared Branching location, provide the host credit union’s staff your credit union name, member account number, and a photo ID.

For more information, contact Member Services at 304-455-4029 ext 1477.

American Express Travelers Cheques

American Express Travelers Cheques for Singles and for Two are available at the credit Union.

Stop by before your trip for the protection you deserve.

Nominal fees apply.

Wire Transfers

R&T/ABA = 244084264
Corporate One FCU
8700 Orion Place
Columbus, OH

For credit to:
Bayer Heritage Federal Credit Union
RR1 Box 12
Proctor, WV 26055
R&T/Account#: 243475829

Final credit to: (Your name)
Acct#: (Your account number)

Balance Financial Fitness Program

Whether you're interested in developing a workable spending and savings plan, getting out of debt, taking a look at your credit report, buying a home, or planning for your financial future, Bayer Heritage FCU wants to help. That's why we've provided access to free and confidential financial counseling and education through BALANCE.