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With You on the Road of LifeAPRIL 2017INTERCHANGEIN THIS EDITIONAutomatic PaymentsWeb ChatNew Online BankingNew Website RedesignCredit Union RewardsMerchant AccountsOut & About:Community ImpactAwardLarge Business AwardToys for GilletteIntergenerational WealthPlanningMortgage PaymentProtectionPrivacy NoticeVote for Your 2017 Boardof DirectorsShred DayDefensive DrivingWhat kind of saver is your child? One who saves happily, or with a scowl? Stop by Hiway during NationalCredit Union Youth Month and see if your child is up to the savings challenge!Every saver is unique, but most people who save regularly developed the habit early in life. Learning to delaygratification in order to save for long-term goals is a crucial life skill, and Hiway is committed to helping ouryoungest members develop.That’s why we create programs and services designed specifically for young people. One of those is ourYouth Month contest:Every member under the age of 18 who makes a 25 deposit duringthe month of April will be entered for a chance to win a 75 giftcard to the Minnesota Zoo!*By helping your child give a hoot about saving now, you’ll help them soar when they’re older.*Sweepstakes ends 4/30/17. No purchase necessary. Void where prohibited. 1099 MISC may apply if rewards/income paid in one calendar year exceeds 600. OfficialRules can be obtained at hiway.org/Assets/PDFs/YouthMonthSweeps 0417.pdf. Federally insured by NCUA.PAY WITH JUST A TAPWith our mobile wallet partnerships, it’s easy and secure for you to make onlinepayments and contactless payments. Android Pay and Samsung Pay are freeapps that allow you to store both credit and debit cards in a secure mobile wallet.Android Pay is available on NFC-enabled Android devices (KitKat4.4 ) andSamsung Pay is available on supported Samsung devices.To get started, download the Android Pay or Samsung Payapp from Google Play if either of them aren’t installedon your device already. Then launch the app and follow theinstructions to add your Hiway cards.When you’re shopping, look for the mobile wallet providerlogos at checkout and hold your device near the reader tosee how easy it is to pay with just a tap!Hiway Business Credit Cards, Business Debit Cards and HSA Debit Cards are not supported withAndroid Pay or Samsung Pay. Android, Android Pay and Google Wallet are trademarks of Google, Inc.NEW CREDIT & DEBIT CARDALERTSIntroducing the added security of transaction alertsfor our Hiway Visa Credit Cards and MasterCard Debit Cards. Signing up takes just minutes andprovides extra security for your account.These custom transaction alerts allow you to receivea text message or email for: Purchases made over a selected amount International purchases Online and phone purchases where thecard is not physically present Declined transactionsTo register your Hiway cards, visit the Visa CreditCard or Debit Card page at hiway.org to find theregistration link under Related Links.
PAY YOUR BILLSAUTOMATICALLYFree up your time by payingyour bills automatically usingyour Hiway MasterCard Debit Card. When you payyour monthly bills—likephone, electric, cable andinsurance—automaticallyusing your HiwayMasterCard Debit Card,you have fewer checks towrite and stamps to buy,and eliminate worries aboutmissed payments.To start paying your billsautomatically, simplyask companies that sendyou monthly bills to startcharging your HiwayMasterCard Debit Cardinstead.MasterCard and the MasterCard BrandMark are registered trademarks ofMasterCard International Incorporated.CHAT WITHUS ONLINEYou now have another wayto contact us! Whetheryou call, email or preferchatting, we have a HiwayAssociate here to answeryour questions.Our web chat service isavailable:Monday – Friday8:00 a.m. – 6:00 p.m.Visit hiway.org to find thelink in the top right corner.You’re going to love it.NEW ONLINE BANKINGWith Hiway’s enhanced online banking experiencebeing introduced early this summer, one of themost important changes is the ability to view all ofyour Hiway accounts that you are primary or jointon using a single login. No more having to login toseparate accounts to view your information.WATCH FOR MORE INFORMATIONvia hiway.org, your mailand social media.iHiway’s new online banking gives you flexibility in how your accounts are displayed on theAccount Summary page. You will be able to organize your accounts into groups and designategroup names using a simple drag and drop function. You will also be able to nickname youraccounts, change the group order or even hide them from the Account Summary screen byclicking on Settings then Accounts.To help you along the way, we will be posting step-by-step instructions on hiway.org as we getcloser to the launch date, along with video tutorials and a user guide. Our goal is to make thischange as seamless as possible for our members.Enhanced Mobile ExperienceOur new mobile apps, available for both Apple and Android phones and tablets, give youadditional features including: Access your information more quickly using Touch ID (fingerprint login access) Updated Mobile Deposit for checks The ability to view pending payments and add new payees in Bill PayText BankingWe are also introducing Text Banking, which will allow you to easily check your accountbalances, account history and transfer funds between enabled accounts.Update Your Contact InformationIt is important that you either update or validateyour contact information before our new onlinebanking system is introduced. During the initial loginprocess, you will be prompted to select an email address orphone number associated with your account to send a secureaccess code. If we don’t have the correct contact information,you will not receive the code needed to complete the loginprocess.To update or validate the contact information we have onfile for you, please call us or send us a secure email messagethrough online banking.NEW WEBSITE REDESIGNAlong with the new online banking experience, we are excited to announce that we will alsobe launching a newly designed website. The updated site will be designed to improve theoverall user experience with streamlined menus and easier, more intuitive navigation to helpyou find the information that is important to you.
Everyone loves tosave, especially onproducts and servicesyou use every day.That’s what Love MyCredit Union Rewards is all about. Members have saved nearly 2billion in discounts from valued partners through Love My CreditUnion Rewards. You can save too with valuable discounts fromthese partners: 100 cash reward with every new line switched to Sprint!Current customers will receive 50 for every line transferred.Plus, a 50 loyalty reward every year for every line!* Save up to 15 on TurboTax federal products! Get an exclusive smoke communicator and a 100 gift cardwith a new ADT monitored home security system. Get trusted protection at true savings with TruStage Auto& Home Insurance Program. Shop and get cash back at over 1,500 online retailers withLove to Shop.To find out more and learn about other valuable discounts, visitLoveMyCreditUnion.org. You get all these offers and discounts justfor being a member of Hiway.*Activ. Fee: Up to 30/line. Credit approval req. Sprint Credit Union Member Cash Rewards Offer: Offer Ends 12/31/2017. Avail. for eligible credit union members and member employees (ongoing verification). Tax ID req. toestablish business acct. Switch to Sprint and receive a 100 cash reward for each new smartphone line activation. Reqs. port-in from an active number (wireless or landline). Existing customers receive a 100 cash rewardfor each new smartphone line activation and/or a 50 cash reward for each smartphone line transferred to program. New lines req. activation at point of sale. Max 15 lines. Sprint acct must remain active and in good standingfor 31 days to receive Cash Reward. Excludes MBB devices, tablets and Sprint Phone Connect, upgrades, replacements and ports made between Sprint entities or providers associated with Sprint (i.e. Virgin Mobile USA,Boost Mobile, Common Cents Mobile and Assurance.) May not be combinable with other offers. 50 Loyalty Cash Reward: Members can earn one 50 cash reward annually when Sprint acct remains active and in goodstanding for 1 year. Max 15 lines. Cash Reward: Cash Reward issued by CU Solutions Group. Allow 6-8 wks for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks, visitlovemycreditunion.org/sprintrewards. Other Terms: Offers/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, and options subject to change and may bemodified, discontinued, or terminated at any time without notice. Restrictions apply. 2016 Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners.MERCHANT ACCOUNTSCredit and debit cards are used by customers all over the world to purchase goods and services. Being able to accept these forms of payment isnecessary to give customers the convenience they expect.If you’re a business owner and are looking to start accepting Visa , MasterCard or other electronic payment type from your customers, we canrefer you to our partners at TSYS and one of their representatives will help you establish a Merchant Account. Or if you’re already using POSsoftware and a card reader, both may require an update to accept EMV (chip-enabled cards) and NFC (contactless payments). Our partners atTSYS can help you find the best solution for your business.Call us and speak with a Business Services Representative at 651.259.2999 or 800.899.5626 and we’ll connect you with TSYS.OUT & ABOUTHiway was recently recognized with the2017 Minnesota Business MagazineCommunity Impact Award —YouthInitiative. The Community ImpactAwards honor businesses, social enterpriseorganizations, nonprofits, initiatives andindividuals making a significant impact oncommunities in Minnesota.Hiway is proud to have been honoredwith the 2017 Midway Chamber ofCommerce Large Business of the YearAward. The Leadership Awards recognizeleading businesses, non-profits andindividuals who go above and beyond intheir support of the chamber and Midwaycommunity through volunteering of theirtime, staff and other resources.A Hiway member generously donatedhandcrafted wooden toys to us in orderto benefit kids in need. We brought thetoys to Gillette Children’s SpecialityHealthcare in St. Paul to help brightenthe spirits of kids with disabilities andchronic conditions. During craft time atGillette, kids will have the opportunity topaint their own toy.
PRESIDENT’S CORNERDo you know that YOU have a largerole in Hiway’s ongoing operations andin our long-term future? As a financialinstitution, everything we do is based onserving the needs of our membership.So in that sense, you have a role as a“customer”. But you aren’t really “just acustomer”—you’re much more than that.DAVE BODENHiway, like all credit unions, is a notPresident/CEOfor-profit financial cooperative. As such,we are not owned by any one individualor group of shareholders, but rather byall our members. As a member of Hiway, you ARE an ownerof the organization, and this isn’t just a “symbolic” concept. Acooperative organization is based on the idea that collaborationand participation by all the member-owners leads to benefitsfor everyone, and there are three key ways in which you cancontribute to Hiway’s shared success.The first way in which you can exercise your role as an ownerof Hiway is to help shape the Board of Directors. A cooperativeis a democratic organization in that each member-owner hasone vote for its leadership—the Board of Directors. Hiway isgoverned by nine members who serve as volunteers on the Boardof Directors, each serving a three-year term after which they canchoose to run again in the election as an incumbent. The Board ofDirectors election for 2017 has started, and all members age 18 orolder with 5 or more in a Savings Account can vote. The Boardnominating committee spends significant time and effort each yearputting together a great slate of new candidates to run alongsidethe incumbents. Again this year, there is a great group of peoplerunning for the Board. I encourage you to exercise your ownershiprights and vote. You can review the candidates and place your voteonline at hiway.org or via paper ballot. Ballots were mailed to alleligible voters on March 14. Voting is open through April 11.The second way in which you as a member-owner can participatein shaping Hiway’s future is to participate in local and nationalpolitical advocacy efforts. From time-to-time, it is important forall of us to contact our legislators and express our concern andsupport for the not-for-profit, cooperative credit union businessmodel and philosophy. The credit union income tax exemption,for example, may be an important issue during tax policy review.Advocacy supporting data privacy standards and responsibility formerchants who take credit and debit cards is another importantissue in protecting member-owner data—your personal data.Regulatory relief for member-owned, locally-focused institutionslike credit unions—institutions formed on the concept of providingtrusted service to all—is still another important issue. At Hiway, Iam looking to take a more active stance in letting you know whenthere are issues you should be aware of, and you can expect tohear from us periodically regarding opportunities where you canexercise your rights as owners to support the organization.It probably goes without saying, but the third and final way youcan help as a Hiway member-owner is to fully participate in thesuccess of the organization. What does this mean? Make Hiwayyour primary financial institution and take full advantage of ourproducts and services whenever possible. Be a vocal promoter ofHiway with colleagues, friends and family—encouraging themto give Hiway a try. We all benefit from a strong, progressive andsuccessful organization. As always, we thank you for your ongoingsupport!BUYING A HOME? PROTECT YOUR MOST IMPORTANT INVESTMENTAn unexpected disruption to your family’s income could quicklyderail your financial goals. Whether it’s a short-term disability, ajob loss or even the death of an income provider, it’s important toplan for these “just-in-case” scenarios.At the top of the protection list is your home—probably thebiggest and most important investment you’ll make during yourlifetime. To help cover your monthly mortgage payments, considerMortgage Payment Protection.What is Mortgage Payment Protection?This voluntary insurance helps make your mortgage paymentduring financially stressful times. It’s designed to give you time toget back on your feet after a job loss, disability or death.Why is it important? Because half of American households would feel thefinancial impact of the loss of their primary wage earner ina year or less; 40% within 6 months.1 6 in 10 Americans have no emergency fund to fall back on.2How Can Mortgage Payment Protection Help You? Keep you and your family in your home—especially duringa difficult time. Free up money you would have used for your mortgagepayments to pay other bills. Reduce the need to dip into your other investments such asyour retirement fund.Find Out MoreCall us or stop in and speak with a Real Estate Representative tosee if this coverage is right for you and your family.Mortgage Payment Protection is currently available for new Hiway Mortgage Loans and excludes existingloans. 1Facts from LIMRA, Sept 2015. 2BankRate Study, Jan 2015. CUNA Mutual Group is the marketingname for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries andaffiliates. Mortgage Payment Protection is the marketing name for Group Mortgage Protection Insurance(in Pennsylvania; Group Insurance) which may include Life and Disability Insurance underwritten byCMFG Life Insurance Company and Involuntary Unemployment Insurance underwritten by CUMISInsurance Society, Inc. Life, Disability and/or Involuntary Unemployment are not available in all states.Purchase of Mortgage Payment Protection is optional and will not affect your application for credit or theterms of any credit agreement required to obtain a loan. The insurance benefit amount may not matchyour monthly mortgage loan payment due to changes in the mortgage payment over time. You can cancelat any time. Be sure to understand the complete details of coverage, including any waiting periods,exclusions and limitations. OREGON: GMP-POL-DIS-S3 OR; GMP-POL-IU-S3 OR; GMP-POL-LIFE-S4OR MPP-1546459.1-0716-0818 CUNA Mutual Group, 2016. All Rights Reserved
PRIVACY NOTICEFederal law requires us to tellyou how we collect, shareand protect your personalinformation. Our privacypolicy has not changed andyou may review our policyand practices with respect toyour personal informationat hiway.org/Assets/PDFs/MSR631PrivacyPolicy.pdfor we will mail you a freecopy upon request if youcall us at 651.291.1515 or800.899.5626.VOTE FOR YOURBOARD OF DIRECTORSVote for your 2017 Board of Directors by11:59 p.m., CDT, April 11, 2017. You canvote by mail or online. Paper ballots weremailed on March 14, 2017. If you need areplacement ballot, please call us. To voteonline, visit hiway.org and click on the eVoteicon. Election results will be announced at:Hiway’s 85th Annual MeetingDate: April 26, 2017Time: 5:00 p.mWhere: Hiway’s Administration BuildingSHRED DAYYOUTHNEWSLETTERSIf your child is a youth clubmember, check out the newsletterenclosed with their statement.Hiway will have a mobileshredding truck on-site toshred your sensitive papersand personal documents.This is a FREE service!Date: May 13, 2017Time: 9:00 a.m. – 12:00 p.m.Lil’ Antlers (ages 0 – 5) Where: Hiway’s Fort Snelling Branch– Credit Union YouthPlease note: we will only be accepting paper and not other items likeMonthhard drives, CDs or DVDs. Shredding will be provided on a first– What’s Happeningcome, first serve basis and the event will run for the scheduled time– We Love This Bookor until the shredding truck is full, whichever comes first.– Coloring SheetYoung Bucks (ages 6 – 12)– Credit Union YouthMonth– Featured Animal– LOL Jokes– Get Craftin’– What’s Happening– Yum RecipesHOLIDAY HOURSHiway will be closed:May 29Memorial DayDEFENSIVE DRIVINGIf you’re age 55 or better, you may be eligible fora 10%, three-year discount on your personal autoinsurance by completing a defensive driving class.Two-Day ClassDate: June 20 & 21, 2017Time: 5:00 p.m. – 9:00 p.m. (each day)Where: Hiway’s Administration BuildingCost: 19/personRSVP: by June 9 to ext. 8602Refresher ClassDate: June 22, 2017Time: 5:00 p.m. – 9:00 p.m.Where: Hiway’s Administration BuildingCost: 18/personRSVP: by June 9 to ext. 8601Hiway’s classes are taught by the MinnesotaSafety Council. Registration is required.Register at hiway.org or call us and ask for theext. number listed.EVENT LOCATIONS:Hiway’s Administration Building840 Westminster StreetSt. Paul, MN 55103Hiway’s Fort Snelling Branch5025 E 54th St.Minneapolis, MN 55417CONTACT USMail111 Empire DriveSt. Paul, MN 55103TDD Users7-1-1800.627.3529 (MN .290.2200800.262.4428Onlinehiway.orgOfficial Credit UnionYellow Ribbon CompanyCall us or visit hiway.org for branch locations & hours.Our Fort Snelling Branch is open on Saturdays.Facebook “f ” LogoFederally insured by NCUACMYK / .aiFacebook “f ” LogoFollow us!CMYK / .ai
for our Hiway Visa Credit Cards and MasterCard Debit Cards. Signing up takes just minutes and provides extra security for your account. These custom transaction alerts allow you to receive a text message or email for: Purchases made over a selected amount International purchases Online and phone purchases where the
