Real value. Every day.
GUIDE TO YOUR NEW MEMBERSHIP
designed to enhance
WE’LL BE HERE FOR YOU ESSENTIAL MERGER INFORMATION
If you have additional questions that aren’t answered here, please let us It is our pleasure to welcome you to your new credit union, and we hope
know. We value your membership, and are committed to providing you to make this transition as smooth as possible. This guide provides details
the highest level of service possible! on your new accounts, also pointing out how they may differ from your
previous accounts. In most cases, we think you’ll find the changes to be
All branches will be closed
Saturday, April 30 — Monday, May 2, Accounts and systems will begin transferring on April 30th.
to accommodate the systems conversion. By Tuesday, May 3rd, you will enjoy full access to Wings’ branches, ATMs
Electronic transactions and checks will be processed. and online services.
Your Member Number will be your Wings ID Number.
Use the following numbers to contact Wings beginning May 3, 2011: For simplicity, your new Wings ID will be created by adding a 3 to your
City-County Member Number. For example, Member Number 123456
is now Wings ID # 3123456.
Merger Specialists (until 5/31/11) 763-549-6000
or 800 642-2328 Your checking account number will be the same 10-digit
Nationwide Toll-Free 1 800 692-2274, option 2 account number that currently appears on your checks. Your account
Twin Cities, MN 952 997-8000, option 2 will simply convert to a Wings First Class Checking account.
Account Access CU PAL (24 hours) 1 888 MY CU PAL (692-8725) You can continue to use your City-County MasterCard®
Loan Hotline 1 888 692-LOAN (692-5626) check card or ATM card with the same PIN.
Loan Information 1 800 692-2274, option 3 You can continue to use your City-County checks. Once you
Report Lost/Stolen Cards have used all your old checks, you can order a box of new Wings Financial
Credit Cards 1 800 449-7728 checks at no cost.
Check Cards 1 800 692-2274, option 4 Your direct deposits and electronic payments will
Mortgage Loans continue after April 30, 2011, as they have in the past. However, we ask
Nationwide 1 888 692-5626 that you update the payment source/destination with the Wings Financial
Mortgage Loan Rates 1 800 692-2274, option 8, ext. 8275 routing number – 296076152 – after May 3rd.
When you call Member Services and select option 2, you will be prompted to enter
your new Wings ID# and last four digits of your social security number, which allows
us to serve you more efficiently.
mobile.wingsfinancial.com MORE INFO...
This symbol shows you
To provide premier member value which page to turn to
in your Account Agreement
through stability, efficiency and innovation. & Disclosure for additional
NOTICE OF CHANGES TO
Effective May 1, 2011.
Dividends. Dividends are calculated by the average daily balance
method, which applies a periodic rate to the average daily balance in
Your Wings ID Number. Your new Wings ID will be created by adding the account during the period. The average daily balance is calculated
a 3 to your City-County Member Number. For example, Member Number by adding the balance in the account for each day in the period, then
123456 is now Wings ID # 3123456. dividing that figure by the number of days in the period.
Following are examples of dividend periods. All other dividend
IMPORTANT: Account History periods follow the same pattern of dates: Monthly: Jan 1 – Jan 31;
We are unable to convert City-County transaction history Quarterly: Jan 1 – Mar 31.
directly to your CU Online activity. However, you can always All accounts (excluding certificates) have variable dividend rates.
access one full year of account history if you sign up for The dividend rate and annual percentage yield (APY) may change as
e-Statements (details on pg. 15). frequently as quarterly for share savings and money manager savings
accounts; monthly for checking accounts; and weekly for money
Joint ownership. Note that Wings statements are only addressed to market and IRA share accounts.
the primary account owner; this does not reflect a change in ownership. Dividends are currently credited and compounded quarterly for share
If you are a joint owner on an account, a Wings ID # will be automatically savings and money manager savings; monthly for checking, money
generated for you to access your accounts. Please contact the credit market and IRA share accounts.
union to obtain this information after May 3rd.
Joint owner records should be transferred from CCFCU to Wings. Enclosed is an Account Agreement and Disclosure which supercedes all
However, differences in processes and documentation may temporarily previous terms and disclosures excluding existing certificates and loans.
prevent access to some accounts after the merger. If this should
occur, please contact us to restore joint access.
All joint accounts will remain the property of the signers as joint tenants
with right of survivorship, excluding the initial $5 membership in the ABOUT WINGS FINANCIAL CREDIT UNION
primary share account. • Begun in 1938 to serve the employees of Northwest Airlines.
Wings funds availability policy (check holds) is substantially • Our focus has expanded, first to serve all air transportation
similar to the current City-County policy. However, Wings reserves the employees, then residents of the Minneapolis/St. Paul and
right to place up to a 7-day hold on exception items. Seattle/Tacoma metro areas.
• Headquartered in Apple Valley, MN, with 24 branches across
State withholding on retirement accounts.
the Twin Cities and nationwide.
Unlike City-County, Wings Financial does not withhold state taxes upon
distribution. We are required, however, to report any distributions to
the Internal Revenue Service.
SAVINGS & CERTIFICATES
Savings IRA/Roth Accounts
High-yield options to secure your future. Tax-smart ways to save for your future.
For the most part, any changes to your credit union savings accounts Most members with IRA and Roth accounts will not notice
are minimal – and positive. Wings Financial offers a wide array of secure any difference when their retirement accounts transfer to Wings.
savings options at consistently higher yields. To help you save for long-term goals, Wings IRA/Roth
• Above-market dividends on deposits accounts offer: MORE INFO...
• Lower or no minimum opening balances • Variable dividends, higher than Share Accounts
• Dividends are calculated daily; compounded/ Pg. 8
Certificates paid monthly
A safe, secure investment with market-leading rates.
Any certificate accounts you currently have will transfer to Wings and SAVINGS ACCOUNTS
will continue under the existing rate and terms until maturity, excluding
IF YOU HAD… YOU’LL NOW HAVE… WHAT’S DIFFERENT
• Dividends that are currently paid by check will now be transferred Share Savings Share Savings Dividends paid quarterly
(including UTMA shares)
into your share savings account.
Holiday Club Money Manager Dividends paid quarterly
• Dividends will be posted on your existing cycle (quarterly/monthly)
on the last day of the month. Escrow Savings Account Money Manager Dividends paid quarterly
Market Rate Savings Money Manager Dividends paid quarterly
• At maturity, regular certificates will not auto-renew; funds will
transfer into your primary share account and you will have the option Premium Money Market World Class $1,000 minimum withdrawal
Account Money Market If balance falls below $5,000,
to choose one of Wings’ market-leading certificate options. a $10 monthly service charge
• IRA certificates will automatically renew for a standard Wings IRA Monthly dividends
certificate term (non-standard terms will renew at the lesser standard Investor’s Choice Account Investment Money Tiered rate account
term; i.e., an 18-month would renew as a 12-month). Market $5,000 minimum balance
required to earn dividends
Additional Wings certificate information: 2 free withdrawals per month
• Certificates are available as Share and IRA Certificates, terms from 3 Check Cashing Account Share Savings Dividends paid quarterly
months to 5 years Traditional IRA Deposit Wings IRA Share Dividends paid monthly
• Periodic “Certificates Du Jour” are offered at special rates and terms
Roth IRA Deposit Wings IRA Share Dividends paid monthly
• Required Minimum Distribution (RMD) schedules will remain the same Account Account
• Early withdrawal penalties apply – exceptions made for IRA RMD
IF YOU HAD… YOU’LL NOW HAVE… WHAT’S DIFFERENT
Savasaurus/Boom! Junior Jet Savers/SOAR Most program features
will be carried over; watch for
Overdraft Protection Wings Overdraft Cumulative amount will
Protection transfer nightly in exact dollar
amount, rather than
Free checking with no minimums —
plus dividends and rewards.
One of the most rewarding checking accounts around,
IF YOU HAD… YOU’LL NOW HAVE… WHAT’S DIFFERENT
Wings First Class Checking offers all members one simple account
with our best benefits, plus dividends and rewards. Frills Free Plus Checking Wings Dividends paid monthly
First Class Checking Free checks–1 box per year
• No monthly service charge, fewer and lower fees Remote Deposit
• No minimum balance to earn competitive dividends
Daily Interest Checking Wings No minimum balance
• Cash back with your check card and Signature Rewards First Class Checking No monthly service charge
• Free checks and Bill Payer service* Free checks–1 box per year
• Surcharge-free ATM access – over 57,000 nationwide Signature Rewards†
• Free checks (one box per year) Premier Checking Wings No minimum balance
First Class Checking No monthly service charge
• .5% APR discount on GreatRate loans Remote Deposit
Wings Funds Availability Policy (check holds) is substantially New Vistas Checking Wings Remote Deposit
similar to the current City-County policy. However, Wings reserves First Class Checking Signature Rewards†
the right to place up to a 7-day hold on exception items. Advantage Checking Wings One rate for all balances
First Class Checking No requirements for debit
transactions, direct deposit,
Checking account numbers will not change. ACH auto debit or online
You can continue to use your City-County checks until the supply is billpay to earn rate
Free checks–1 box per year
depleted. You will receive checking statements on a monthly basis, Remote Deposit
with a statement cycle ending on the 21st of each month. Signature Rewards†
Frills Free Checking Wings Dividends paid monthly
You can continue to use your same debit card First Class Checking Free checks–1 box per year
and same PIN, while gaining access to Wings’ surcharge-free Remote Deposit
ATM network and cash back with Wings Signature Rewards
Daily Interest Minimum Wings No minimum balance
(sign up online or at any branch). Checking First Class Checking No monthly service charge
Free checks–1 box per year
Premier Minimum Wings Remote Deposit
Checking First Class Checking Signature Rewards†
No monthly service charge
IF YOU HAD… YOU’LL NOW HAVE… WHAT’S DIFFERENT
Overdraft Protection Wings Cumulative amount will
from Savings or LOC Overdraft Protection transfer nightly in exact
from Savings or LOC dollar amount, rather than
A second checking account
may not be used to provide
overdraft protection for
another checking account
*When you make a minimum of three bill payments per month. † To earn Signature Rewards, you must sign up first.
Competitive lending for needs large and small.
Existing City-County loan accounts will be transferred to Wings Financial Credit bureau reporting. Beginning May 1, any loans that
under the same rates and terms. For most loans, you may continue to you have had at City-County FCU will appear as loans held by
make payments on the same day(s) as you do now, but the due date will Wings Financial Credit Union. The loan terms will not change, and
be the last day of each calendar month. Exception: fixed home equity they will not be reported again, other than to update current payment
loans will be due on the 1st of the month. status. New loans written after May 1 will be reported as
Wings Financial loans in all cases.
Additional loan payment information:
• The loan grace period will be increased from 10 to 15 days.
• If you use loan payment coupons, you will receive a new MORTGAGE LOANS
coupon book in April for May payments. Money-saving rates, lower closing costs.
• We do not accept loan payments via phone (exception made
for delinquent loans). Members with CCFCU mortgage loans, serviced through
• You may continue making biweekly payments if you choose; CU Companies, will not experience any changes to their loan
however, CU Online will display the monthly payment amount. related to the merger. You may continue making payments on
your mortgage just as you do today.
As a Wings Financial Credit Union member, you’ll have access to some
of the country’s lowest lending rates – including a ½% rate discount on You may also choose to finance or refinance your home with an
GreatRate loans when you have an active Wings checking account affordable Wings Financial loan. Our mortgage loans feature:
with net direct deposit. • Low rates & below-market closing costs
• One low GreatRate for any vehicle, new or used, • A variety of loan options
purchase or refinance • Secure online application
• Low-interest home equity loans
• Personal loans and lines of credit
Line-of-credit loan changes. If you have overdraft protection Fair and reasonable credit.
tied to a line of credit, you will notice that funds transfers will
now be in the exact amount needed, rather than in $200 increments. You can continue to use your current City-County
The cumulative transfer amount will occur nightly. Visa Cards, although online credit card account
information will be unavailable for approximately two weeks after the
Payments made on line-of-credit loans are applied to the principal,
merger. Starting in May, your credit card statement will appear in the same
plus previous month’s interest. Any interest due will be added to the
format as Wings’ credit card statements.
balance of the loan.
This summer, the credit union will issue you new, Wings-branded
Credit Life and Disability Insurance. If you held Credit Life and cards at your existing rates and terms.
Disability Insurance on your loan at CCFCU, there will be no change to your
Or you can choose to apply for a Wings Visa card, which offers:
policy. The credit union will continue operating the Allied insurance product.
For new or refinanced loans after the merger, you will have the opportunity • Low, non-variable rates (8.9% APR Platinum, 11.9% Classic)
to add Credit Life and Disability Insurance from Wings Financial. • No annual fees
• No balance transfer fees
• No cash advance fees
BRANCHES & ATMS Wings Branch Locations
For maps, directions and to find the nearest branch/ATM near you,
Around the metro, across the country.
One exciting benefit of the City-County/Wings Financial merger is the
expanded access you will now enjoy at branch offices and ATM locations
throughout the Twin Cities and nationwide, effective May 3, 2011.
• 14 Twin Cities-area branches; 10 additional locations
across the U.S.*
• 35 proprietary ATMs and hundreds of partner ATMs
around the metro
• Over 57,000 surcharge-free ATMs nationwide at convenient
locations like Target, CVS, Walgreens, Costco and more. Look for
this network logo:
Shared branching access Minnetonka
will be discontinued effective April 15, 2011.
All branches will be closed
Saturday, April 30 — Monday, May 2,
to accommodate the systems conversion.
Electronic transactions and checks will be processed.
Metro Branches: Nationwide Branches:
Apple Valley Edina California
SAFE DEPOSIT BOXES 14985 Glazier Avenue 7300 France Ave S., San Francisco Int’l Airport
Apple Valley, MN Ste. 115 Florida
Bloomington Edina, MN Orlando Int’l Airport
Several branch locations offer safe deposit box rental
8801 34th Avenue S. Franklin Avenue Georgia
to protect your valuables against damage or loss.
Bloomington, MN 913 E. Franklin Avenue Near Atlanta Int’l Airport
• Secure, vault-protected storage Brooklyn Center Minneapolis, MN Hawaii
6160 Summit Drive Government Center Honolulu Int’l Airport
• Controlled access
Brooklyn Center, MN 302 S. Sixth Street Michigan
• A variety of sizes Central Avenue Minneapolis, MN Detroit Metro Airport; Romulus
• Low annual rental fees – Fees have been reduced 3651 Central Avenue NE Minnetonka Minnesota
Minneapolis, MN 11110 Greenbrier Road Delta Reservations Center*
to reflect Wings’ annual rental fees
Minnetonka, MN Chisholm
Available at: Atlanta, Apple Valley, Bloomington, Brooklyn Center, 4701 Chicago Avenue MSP Airport New York
Minneapolis, MN HUB Transportation Bldg JFK Int’l Airport
Central Avenue, Chicago Avenue, Eagan, Edina, Franklin Avenue and
Delta Air Lines Building C* Near Light Rail Stop, Tennessee
Minnetonka branches 2nd Floor Memphis Int’l Airport
7500 Airline Drive
Minneapolis, MN MSP Airport* Washington
Other branch services include: Eagan Concourse F – Below Seattle/Tacoma Int’l Airport
3240 Denmark Avenue Gate F5
• Notary services • Cashier’s checks
Eagan, MN St. Paul
• Visa gift cards • Traveler’s cheques 1804 7th Street West
St. Paul, MN
* Some branches may have restricted access, with company or airport
employee identification required.
During the system transfer,
ACCESS OPTIONS most electronic systems will be unavailable
Easy every day. from April 30 — May 2.
Because Wings and City-County use the same online banking service CITY-COUNTY WINGS FINANCIAL IMPORTANT NOTES!
provider, most services should integrate seamlessly and feel very
familiar to you. CU@Home Internet Branch CU Online On May 3, the City-County
www.wingsfinancial.com web site will be automatically
re-directed to the Wings
Online bill payment payees and payments will Financial site.
transfer automatically. Wings Bill Payer service is free when you Login using your new Wings ID
# (3+CCFCU Member Number)
make a minimum of three payments per month (this requirement will be and existing password.
waived for the first 3 months). The payment date you select is the date See enclosed insert for more details.
your account will be debited and funds will arrive at the biller. Contact Center Member Services Central CCFCU phone numbers
763 549-6000 1 800 692-2274 will be redirected to Wings
As a Wings member, you will enjoy flexible options for accessing and 800 642-2328 952 997-8000 Member Services. For the first
month after conversion, call
managing your accounts. the CCFCU numbers to reach
employees specially trained to
• Do virtually anything you could at a branch via CU Online answer merger questions.
• Deposit checks online and get instant funds access Online Bill Pay Bill Payer The payment date you select is
Payees and payments the date your account will be
with Remote Deposit All payments scheduled debited and funds will arrive at
through April 28 will transfer to Wings’ the biller.
• Enhanced Mobile Banking with apps for iPhone, will be processed by Bill Payer system and
City-County’s be available May 3. Note, Bill Payer is free if you
Android & Blackberry (Note, you will need to download a new app) Bill Pay system. make 3 or more payments per
month (waived for the first 3
Or access mobile.wingsfinancial.com months after merger)
• 57,000 surcharge-free ATMs nationwide
CCFCU Mobile Banking Wings Mobile Banking Apps available for iPhone,
• 24-hour CU PAL phone banking Blackberry and Android
platforms. Members will need
Direct deposits will continue; however, subsequent electronic to download the new app
payroll distributions to other accounts will be discontinued (except for mobile.wingsfinancial.com
City of Minneapolis employees). To set up payments and transfers,
Statements, eStatements Monthly or quarterly All members will receive a
log into CU Online and select “Transfer Funds” or “Bill Payer.” Or call us statements; comprehensive account
for assistance. Paperless e-Statements statement at least quarterly.
option for deposit Members with checking
and credit card accounts accounts, accounts with
or open-ended loans will
we will not share your personal information with third parties. receive monthly statements.
Statements will only be
addressed to the primary
MORE INFO... owner.
For members with a checking
account or a loan, statement
cycles will end on the 21st of
Pg. 11 each month.
Call 24 CU PAL (Phone Access Line) Available 24 hours
1 888 MY CU PAL (692-8725) Login using your new Wings ID
# (3+CCFCU Member Number)
and the same PIN as Call 24.
* Some branches may have restricted access,
with company or airport employee identification required.
Convenient options for monitoring account activity.
You will continue to receive a combined statement showing all your
credit union accounts together. Note that Wings statements are only
addressed to the primary account owner; this does not reflect a change
All members will receive a statement at least quarterly; members
with checking accounts, accounts with electronic funds transfers
(Reg E activity) or open-ended loans will receive monthly statements.
IMPORTANT: Account History
We are unable to convert City-County transaction
history directly to your CU Online activity. However,
you can always access one full year of account
history if you sign up for eStatements (details below).
Change in account identification. Your accounts will now be
identified by the entire account number, rather than account suffixes.
Statement cycles. If you have a checking account or loan,
your statement cycle will be from the 21st to the 21st of each month.
Quarterly statement cutoff is on the calendar month-end. Reg D
activity (federal limits on automatic transfers from share accounts)
will be tracked based on statement cycle, rather than calendar month.
e-Statements. For your convenience, Wings Financial also offers
paperless e-Statements. To sign up for e-Statements on your deposit
accounts and consumer loans, log into CU Online and select
“e-Statements” from the left-hand menu.
To choose e-Statements for credit card accounts, log into CU Online
and select your credit card account (under “Loans”). • Statement will be monthly or quarterly, depending on accounts
• Statement is addressed only to primary owner
• Combined statement shows all credit union accounts
• At quarter-end, statement will show Signature Rewards earnings
for participating members
WINGS FINANCIAL ADVISORS NOTES:
Professional advice to secure your future.
Just as you did at City-County, you will have access to
professional investment planning and advice at your credit
union through Wings Financial Advisors. Licensed financial
advisors can help you with:
• Investments and financial planning
• Online brokerage services through MEMBERS
• Insurance products and services
• Tax planning and advice
• Educational workshops
• Discount auto buying through AutoAdvantage®
To learn more or schedule an appointment, call 952 997-8076
or 1 800 692-2274, option 8, ext. 8076.
Wings Financial Advisors, LLC, a wholly owned subsidiary of Wings Financial
Credit Union, exists to provide members with investment services, financial
planning, insurance options and other services not traditionally offered by
credit unions. Representatives are registered through, securities are sold, and
investment advisory services offered through, CUNA Brokerage Services, Inc.
(CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor,
2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit
investment and insurance products are not federally insured, involve investment
risk, may lose value and are not obligations of or guaranteed by the financial insti-
tution. CBSI is under contract with the financial institution, through the financial
services program, to make securities available to members. CBSI is a registered
broker/dealer in all fifty states of the United States of America.