| There are many tasks you need to accomplish each
day -- managing your money is one of them. Our Money Management
Services are at your service to make that task easier.
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.
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 $500.
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.
VISA Check/Debit Card
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 Surcharge-Free ATMs
Bayer Heritage FCU has added another service to benefit our members by joining the Allpoint ATM Network – America’s largest surcharge free ATM network! Just visit http://www.allpointnetwork.com and enter your zip code to find local surcharge free ATM’s near you.
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.
CU@Home Internet Banking
With this FREE, service you can conduct almost any transaction
you would at the credit union, conveniently online. Whether it's
12 noon or 12 midnight, CU@Home is open for business. With CU@Home
Internet Banking, you can:
- Verify account balances.
- Identify checks cleared.
- Transfer funds between accounts.
- Make payments on credit union credit cards and loans.
- And much more!
To begin using this FREE service, call, e-mail, or visit your
closest office to be setup with your personal password.
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)
eStatements
First-Time Users:
To log in for the first time, please enter your account number as the Login Name and last six numbers of your social security number as the Password in the following secure login page. You will then be prompted to change your password:
Please read before using eStatements
Log Into eStatements
For further assistance, please contact Member Services at (800) 272-6003 x1477 during business hours.
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