Bayer Heritage FCU is dedicated to
helping you realize all of your financial
goals, from college to retirement. This
is why we're excited to now offer the
BALANCE™ Financial Fitness Program. As a
Bayer Heritage FCU member, the program's
monthly administration fee is waived.
Through BALANCE, you have access
to free, unbiased money management
information and assistance through a tollfree
phone call. BALANCE counselors can
answer many of your financial questions
immediately. For more complex issues, you
can schedule an appointment.
Simply visit www.balancepro.net or call
toll-free (888) 456-2227. Counselors are
available Monday through Thursday from
5:00 a.m. to 8:00 p.m.; Friday from 5:00 a.m.
to 5:00 p.m.; and Saturday from 8:00 a.m.
to 5:00 p.m. (PST).
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We are happy to announce that we will unveil an upgraded version of Home
Banking in the next few weeks. A demo of the new product will soon be available
on our website, so keep watching for details. You'll enjoy the added convenience of
this newer, better service!
Features of the new Home Banking service will include:
 Mobile Text - Ability To Conduct Transactions
Between Financial Institutions
- Option To Open Share Certificates Online
- Ability To Have Your Questions
Answered Via Secure E-Mail
- And Much More!
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Bayer Heritage FCU always strives to serve YOU better. With that objective in mind,
we're excited to announce that in December 2009 an enhancement will be made to
our BillPayer service.
As part of the change, a new user interface with a more user-friendly layout will be
introduced. You'll also find an online help option, which will make it easier and faster
to search for the answers you want. And, in the new payment center, you'll have
access to a "smart window," which will hold your payee's information.
Look for more details in the upcoming months regarding these exciting enhancements!
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Exciting changes are in the
works for your credit union! As
Mr. Babe mentioned in his letter below,
Bayer Heritage FCU has grown
beyond a single-company credit
union to a financial institution that
serves our community members,
their families and employees of
various other businesses in our
area. As a result, we will select
a name that encompasses our
continually growing field of
membership.
The credit union name change
is part of our upgrade to
providing greater service to our
membership as a whole. With the
implementation of our new Home
Banking and TextMe® Mobile
Banking services, accessing your
accounts will be easier than ever
before. We are also proud to now
offer the Balance™ Financial
Fitness program to help you stay
on track when it comes to saving
and eliminating debt.
As you can see, the credit union
always has your needs in mind,
and we look to the future with
confidence. We are happy to
provide secure, convenient and
affordable financial products and
services to all of our members.
Thank you for your continued
loyalty to Bayer Heritage FCU!
Robert D. Burrow
President/CEO
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September 26, 2009
As a fellow member of the Bayer Heritage Federal Credit Union, I want to congratulate
the board, staff and volunteers for another successful year. I commend all of the
members for your continued support and patronage of a true success story of the
American "cooperative" movement.
From its early days of sponsorship, Mobay - and now Bayer - has taken great pride
in the growth of the credit union, and Bayer continues to view the credit union as a
valuable resource for its employees. Over the past 52 years, the credit union has seen
many changes and embraced them all. Today, I want to announce the beginning of a
new chapter in the ongoing relationship between Bayer and Bayer Heritage Federal
Credit Union.
The evolution of the credit union has changed the complexion and make-up of
its membership. Due to the vision and foresight of the Board and changes in the
Bayer family of companies over the years, membership has reached beyond "Bayer
employees only." I believe this broader membership base not only helps to ensure
the credit union's success, but also enhances its ability to serve its members. Since
the credit union is not a Bayer company and the name "Bayer" no longer accurately
identifies a large portion of the credit union's membership, continued use of the
Bayer name can actually be an inhibiting factor to the credit union's continued
growth. In order to facilitate the true distinction that should exist between Bayer
and the Bayer Heritage Federal Credit Union, the credit union Board has graciously
agreed to my request for a new name for this organization.
Please be assured that this in no way signifies a change in our support of the
credit union. On the contrary, it is my desire that our relationship continues and
that the credit union remains present and active at its current company locations.
It is simply time to allow both organizations to reflect their unique identities.
This name change will be done with great care and planning, including the
solicitation of membership feedback. We are targeting year-end 2010 for
completion of the name change. Bayer has committed to the credit union
Board that it will provide the financial resources to expedite this major
"re-branding."
Again, I want to emphasize the continued support for and appreciation of
the credit union. I look forward to our continued mutual success.
Sincerely,
Greg Babe
President/CEO, Bayer Corporation
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Bayer Heritage FCU is proud to sponsor Cards of Hope this holiday season. Card sales are the primary
fundraiser for the Pediatric Cancer Care and Research Fund at WVU Children's Hospital. The cards
ensure that patients and their families receive state-of-the-art medical care, as well as psychological
and social support.
The holiday cards are created by pediatric cancer survivors, current patients and their siblings at the
Children's Hospital in Morgantown, West Virginia. All proceeds of every Cards of Hope package sold
go directly to helping patients and their families battling cancer.
Plan to purchase your Christmas cards at Bayer Heritage FCU beginning in October - stop by any
office, call (800) 272-6003, or order online at www.cardsofhope.com.
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You've probably heard from your local news station, your
newspaper, or your favorite news blog about upcoming credit
card changes, and you're probably also wondering how it
affects your Bayer Heritage FCU Credit Card. The good news is,
Bayer Heritage FCU already largely conforms to the new rules.
We don't have the high fees, jumping interest rates, gimmicks
or double-billing cycles that the Credit Card Accountability
Disclosure Act of 2009 (CARD Act) addresses.
However, because of the CARD Act, we will be making some
changes to our credit card monthly statements. You will see
clearer due dates and times, and receive additional notices. In
addition, you will receive your statements earlier in the month.
In early 2010, you will also see a payment breakdown. This will
help give you a clearer picture of how long it will take to pay
off your card.
As a Bayer Heritage FCU member, you have the option to
receive your statement via Online Banking. This product allows
you to view your credit card statements before you would
receive your paper statement. If you aren't already signed up
for Online Banking, please contact us at (800) 272-6003 and
we will be happy to set you up for this wonderful service.
The CARD Act is pro-consumer legislation that was set forth by
Congress to give consumers like you a clearer picture about
their credit cards. Bayer Heritage FCU is committed to making
sure that you are offered a credit card that benefits you with
low rates, no hidden fees and great service!
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Skip-A-Loan payment allows you to "skip" your loan
payment in November, December or January.
Use the funds for holiday gifts, travel expenses
or for any other reason! It costs just $30 per
skipped loan.
For complete details and restrictions or to skip
your payment, contact the credit union at (304) 455-4029 today.
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Dear Bayer Heritage FCU,
We want to thank you for handling our loan so efficiently. You took
care of all the details and it went so smoothly we didn't feel like
we had to do anything. It was a nice surprise when we found out
we could close on our loan right then and there.
Thanks again,
Two Grateful Members
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Veterans' Day
Wednesday, November 11, 2009
Thanksgiving
Thursday, November 26, 2009
Christmas Eve (closing at noon)
Thursday, December 24, 2009
Christmas
Friday, December 25, 2009
New Year's Day
Friday, January 1, 2010
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Help us prevent your account from becoming dormant (inactive). A once-yearly
transaction on your Share suffixes will prevent your account from
becoming dormant. This will also eliminate the possibility of being assessed
a monthly Dormant Account Fee of $5.00 and/or your funds being remitted
to the State Treasurer as Unclaimed Funds. Please contact Member Services
(800) 272-6003 ext. 1477 regarding questions on dormancy.
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Payments from your IRA are subject to federal income tax withholding,
unless you elect no withholding.
You may change your withholding election at any time prior to your receipt
of payment. To change your withholding election, complete the appropriate
form provided by your credit union.
Withholding from IRA payments, when combined with other withholding,
may relieve you from payment of estimated income taxes. However, your
withholding election does not affect the amount of income tax you pay.
You may incur penalties under the estimated tax rules if your withholding
and estimated tax payments are insufficient.
© 2001, CUNA Mutual Group
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