At least 2 of the following valid items are required: With one of the IDs being a driver’s license, passport, or state ID. Expired IDs will not be accepted. A $5 membership fee is required to open a savings account.

• Driver's license
• Passport
• Military ID
• Work ID
• State ID
• School ID
• Signed Social Security Card
• Matricula Consular ID Card (issued by Mexican Consulate)
  

The R&T number for MidWest America FCU is 274973141. This number is used to identify MidWest America from all other Financial Institutions. Each Financial Institution has their own R&T#. You might say it is their own unique address. The Credit Union "routing number" is like an electronic address that delivers your electronic deposits or withdrawals to the Credit Union.

There are a number of occasions when you would need to know this number:

• Tax refund checks directly deposited into your account

• Electronic deposit of your paycheck

• Electronic payments made out of your account

You will find this number on the lower left corner of your MidWest America checks

A regular certificate of deposit is a term account that earns monthly or quarterly dividends. The term and dividend rate remains the same throughout the life (or term) of the certificate. A step up certificate is also a term account that earns monthly or quarterly dividends. The rate can be stepped up once during the life (or term) of the certificate to the current prevailing Credit Union rate. For the remainder of the term your step up certificate earns the higher rate of interest.

Your e-mail address can be changed on-line by signing on MidWest America Internet Banking and clicking on the link “click here to update your e-mail address”

The prime member can add or remove an account beneficiary by completing and signing the designation of beneficiary portion of a membership application.

If only one key is lost a replacement key will be made at the expense of the member. If both keys are lost the box must be drilled and a new lock replaced at the expense of the member.

No.

Due to the many outlets that offer large discounts for amusement park tickets and the popularity of ordering online movie tickets, MidWest America decided to discontinue this service so we could concentrate more on our main core business. We suggest checking the internet for special offers.

There is no required minimum balance for a checking account.

At least 2 of the following valid items are required with one of the IDs being a driver’s license, passport, or state ID Note: expired IDs will not be accepted.
► Driver’s license
► Passport
► Military ID
► Work ID
► State ID
► School ID
► Signed Social Security Card
► Matricula Consular ID Card (issued by Mexican Consulate)

Reward Checking acts like a traditional checking account but has added features that actually reward you for using it. Earn rewards like a premium interest rate, fee refunds on ATMs nationwide, and receive free bill payer. All you have to do to get these great benefits is fulfill three easy requirements—things you're probably doing already. Click here for more information.

Freedom checking is a free checking account. There is no minimum balance required. There is no "per check" charge. ATM, Check Card and overdraft protection is available for those who qualify. Freedom checking is a non bearing interest account. You purchase your own checks.

Advantage checking has no minimum balance requirement, unlimited free personalized checks. Dividends are paid on qualifying balances. ATM card, Check card and overdraft protection is available for those who qualify. You have a $10,000 accidental death and dismemberment insurance coverage. Free Credit Card registration. You can save 10-50% on most prescriptions with our local pharmacy card. $25,000 common carrier insurance coverage. Up to 50% savings on quality, factory sealed contact lenses. Save up to 50% at premium hotels and earn cash back bonuses. Low monthly fee. Discounted for members 50+.

As long as a check has cleared your checking account you will be able to obtain a copy of the checks for up to 7 years.

You can contact the Credit Union by phone or in person and request a copy of a canceled check. The cost for a check copy is $5. However, you may also obtain a copy of a canceled check thru MidWest America Internet Banking. Simply sign on Internet Banking and bring up your checking account history. Once you have located the check cleared on the history click on the check # and the check image will appear on your screen.  You may print the image at that time on your own printer. There’s no charge for this!

The cost for a statement copy is $5 per page if you are not set up for Electronic Statement delivery. However, if you are set up to receive E-Statements, you can produce your own statement copies and there is no cost for that service.

Pending ACH transactions can be viewed thru Internet Banking by clicking on View ACH transactions.

The cost for a stop payment is $25.00 per item or series of consecutive numbers.

Our Visa Debit Card looks like a credit card but works like a check. Purchases are withdrawn directly from your checking account. The card is accepted worldwide at any business that accepts Visa. You can also use it as a ATM card. It's less bulky than a regular checkbook and safer than carrying large sums of cash

There is no application, just open a checking and request a card, it will be mailed to you in about 7 to 10 business days.

Yes, but he/she must have a signer of legal age on the account as well.

The savings account is automatically attached along with the checking account when the card is opened.

Yes, you can bring the card and positive identification to any branch location and select your own PIN.

No, you must contact the credit union to have a PIN reset.

There is no charge to simply change a PIN.

Yes, anywhere Visa is accepted; however, you must notify MidWest America and specify which country (ies) you will be travelling to and for how long, so we can unblock your card accordingly.

Card replacements are $6.00

There is no number to call. Activate the card by using an ATM.

Contact the credit union right away at 800-348-4738, so the number can be blocked and a new card with a different number can be ordered.

No, we currently do not offer photo debit cards.

Contact the electronic services department at MidWest America.

Have the merchant run the card a second time. If it still doesn’t work, contact MidWest America toll-free at 800-348-4738. There could be any number of reasons: phone line problems, card unable to be read etc. The credit union can help to determine what the problem is.

Yes, as long as your account is in good standing and the card has been actively used, a new card will automatically be sent before the end of the expiration month.

It is not necessary, in most cases the credit union will be aware of down ATM's, and will work to get them back in service ASAP.

Yes. It does not matter if it is a cash or check deposit.

Funds from any deposits (cash or checks) made at automated teller machines (ATMs) MidWest America owns or operates will be available on the second business day after the day of deposit. The first $100.00 of a deposit will be available by the first business day [after the day of deposit.] Funds from any deposits (cash or checks) made at ATMs we do not own or operate will not be available until the fifth business day after the day of your deposit. All ATMs that we own or operate are identified as our machines.

You can have your card blocked to avoid any future usage by calling our MidWest Phone Banking at 260-423-8278 or toll free at 800-847-2278. Follow the prompts to block your card. You can also leave a message on our after hours voice mail; however, any action would not take place until we are once again open for business.

You need to contact the Credit Union so that appropriate dispute paperwork may be completed and also a police report may be needed.

Contact the credit union right away at 800-348-4738, so the number can be blocked and a new card with a different number can be ordered.

Contact the credit union at 800-348-4738.

MidWest America has many loans for whatever you want:

• New and Used Autos
• RVs, Motorcycles, Boats
• 1st Mortgages
• Home Equity & Fixed Rate 2nd Mortgages
• Signature/Unsecured Loans
• Business & Agriculture Loans
• VISA® Credit Cards

Rates are based upon the borrower’s qualifications and vary depending on the type of loan and collateral. You can check out our current loan rates on our website on our loan rates page.

We make applying for a loan easy. You may apply in person at any branch, over the phone, or online.

Stop by any local branch and a MidWest America loan officer will assist you. If you prefer, you may contact a loan officer by phone at 260-482-3334 or 800-348-4738.

Please contact a loan officer at 260-482-3334 or 800-348-4738.

No. We do not charge either pre-payment penalties or minimum finance charges.

The Skip-a-Payment program allows members of MidWest America FCU, whose accounts are in good standing, to skip one payment on their loan (s) during a specified time frame. (i.e. January or February) The fee is $35.00 per loan and is not available for mortgages, home equity loans, or leases.

Interest will continue to accrue, so when your next monthly payment is made, you will notice that more of your payment went toward interest than usual. This happens because of the simple daily interest due on your principal balance since your last payment.

• Conventional Adjustable Rate Mortgages (ARM)
• Conventional Balloon Mortgages
• Conventional Fixed Rate Mortgages
• FHA Mortgages
• Permanent/End Loan Financing New Construction
• Fixed Second Mortgages
• Home Equity Lines of Credit
• Mortgages for Commercial and Investment Properties (Business Services/Commercial Lending Department)

• At a branch
• Mail payment and coupon
• Internet banking (CU Anywhere)
• Automatic transfer
• Over the phone with a MidWest America employee

Yes. You may make additional payments at any time, with whatever method you choose. You will need to specify whether the payment is a standard payment or principal only.

No. We do not charge a pre-payment penalty. You may pay off your loan in full at any time.

If you are unable to make a payment within your grace period, please call 260-482-3334 ext. 1397 or 800-348-4738 ext. 1397. A representative will work with you to make arrangements.

Paying Private Mortgage Insurance will depend on several factors. PMI is based upon the amount of equity in your home and will not be required if you’re borrowing less than 80% of the home's value.  PMI will automatically drop when your mortgage balance reaches 78% of the value of your home. When the balance of your mortgage is at or below 80% of the value of your home, you may request to have your loan reviewed and have PMI removed from your payment, however certain restrictions may apply. Contact us for details.

Yes. Due to new regulations that become effective April, 2010, all Mortgage Servicers will have to require that Escrow for property taxes and insurance be included in the Monthly Payment for at least the first 12 months of the new mortgage.  This option will set aside an amount of your mortgage payment to go for property taxes and homeowner's insurance and pay them automatically when they are due. If your taxes or insurance premiums increase, you will be notified in advance of any change to your regular payment.  Until April, 2010, escrows may be "waived" if you have sufficient equity in your home (borrowing less than 80% of the home's value).