WELCOME GUIDE

HERE FOR your

FINANCIAL JOURNEY

WELCOME TO MHV W

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Thank you for choosing Mid-Hudson Valley Federal Credit Union.

We pride ourselves on providing the fnancial guidance and services you need for every step of your journey.

From planned life events to the inevitable curveballs that life

likes to throw, having a trusted fnancial partner makes your

life a little bit easier.

ACTIVATE YOUR MHV VISA®

REWARDS DEBIT CARD TODAY AND UNLOCK:

SECURE PAYMENTS

Visa’s fraud protection. Shop with confdence knowing your debit card is backed by

DOUBLE REWARDS Your debit card comes with two rewards programs!

MHV Rewards • Visit MHVRewards.com to set up your account and start

earning points automatically!

• Earn points every time you shop! Receive 1 point for every $100 when you choose to sign for your purchase and ½ point for every $100 when you choose to use your PIN

• Earn bonus points when you use the MHV Rewards Portal to shop online at your favorite retailers

Purchase Rewards • Earn cash back at the stores you love! Simply view and add your

offers on Online Banking or the MHV Mobile App

• The more offers you use, the more you get!

Terms and conditions apply. Subject to change or termination at the discretion of MHV.

MOBILE WALLET Don’t forget to add your MHV Visa Rewards Debit or Credit Card to your Apple Pay, Samsung Pay, Google Pay or Microsoft Wallet to make easy and secure payments!

NATIONWIDE ACCESS Thanks to our extensive ATM network, your MHV Rewards Debit Card can be used at over 118,000 surcharge-free ATMs across the country. Use the Locations feature on our app to fnd the ATM nearest you.

Online Banking has the tools you need to manage your accounts. Visit mhvfcu.com to access Online Banking.

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BILL PAY Set up your bill pay items to avoid missing a payment! Bill payments

are debited from your checking account 1-2 business days after the payment “send on” date. They are reflected in your account as ACH

withdrawals with a description of “MHV BILLPAYER + BILL PAYMT”.

ACCOUNT TO ACCOUNT (A2A) TRANSFERS

This service allows you to transfer funds between your MHV accounts and accounts

you have at other fnancial institutions.

ACCOUNT ALERTS Set up alerts to notify you when

your loans are due, if your account reaches a

certain balance, if there are withdrawals over a certain

amount, and more.

Get a headstart on tax season when you fle through MHV

Online Banking!

eDOCS | eSTATEMENTS Electronic access to your

statements and notices. Your account includes free eStatements,

which securely delivers your banking statements into your

Online Banking account. You can view your history anytime via the eDocs/eStatement portal.

CARD FRAUD ALERTS Be alerted via text of

potentially fraudulent activity on your MHV Debit or

Credit Card.

myMoney TRAIL This budgeting tool allows you to track and plan your spending and

savings. Your MHV information automatically displays, and you can add in information

from non-MHV accounts.

This free* and secure service allows you to send and receive

money from anyone directly from or into your account.

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*Fee may apply for expedited service

10/10/19

WITH THE MOBILE APP YOU CAN:

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• Check Your Balance

• Use Bill Pay

• Transfer Funds

• Use Mobile Check Deposit

DEPOSIT YOUR CHECK

USE THE MHV MOBILE APP TO MANAGE YOUR

ACCOUNT WHEREVER YOU ARE.

Download the MHV Mobile App from Apple App Store or Google Play Store

Sign up directly from the app or use your existing online banking credentials

• Load Purchase Rewards

• Locate ATMs and Branches

• Use Popmoney

• Pay Your MHV Loan & Credit Card

Mobile Check Deposit allows you to deposit checks right from your mobile app! Simply use the Check Deposit feature on our app to take a photo of your check and have it deposited into your account.

SET UP DIRECT DEPOSIT. Contact your payroll department to have your paycheck

deposited directly into your MHV Checking Account.

MHV’S ROUTING NUMBER: 221976243

NEED HELP SWITCHING YOUR DIRECT DEPOSIT OR

BILL PAYMENTS?

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REQUEST YOUR COMPLIMENTARY SWITCH KIT! VISIT MHVFCU.COM/CHECKING

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FIND MHV WHEREVER YOU ARE

BRANCH LOCATIONS We have convenient Branch Locations across the Mid-Hudson Valley. Our branches are open from 8am to 6pm Monday through Friday, and 9am to 2pm on Saturday. See back cover for map and locations.

PERSONAL TELLERS Our Personal Teller (PT) service offers you extended banking hours at every one of our Branch Locations. These live, local tellers interact with you via video and can handle almost all of your fnancial transaction needs. PTs operate from 6am to 11pm every day of the week. Visit our website for holiday hours.

CALL CENTER 845.336.4444, x. 6000 Monday – Friday: 8am – 8pm Saturday: 8am – 5pm

EARS BANK-BY-PHONE 24/7 Electronic Automated Response System to check account balance and recent transactions, make loan payments and transfer funds. 845.336.4444, dial 2

AFTER HOURS VISA DEBIT CARD SERVICE Debit: 866.820.8794 Lost/Stolen Card: 800.449.7728 Debit PIN Changes: 866.985.2273

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SSURCHARGE-FREE ATMS Thanks to our partnership with several ATM networks, MHV is proud to offer over 118,000 surcharge-free ATMs across the country. ATMs can be located via the mobile app or on our website. See Fee Schedule for details.

1,50016,200

MID-HUDSON VALLEY FEDERAL CREDIT UNION

16,000 118,000

Be sure to look for these logos at retail stores like Target, CVS, and Speedway:

December 2017 comparison based on claims located at bankofamerica.com, mtb.com, and chase.com

WHEREVER YOUR JOURNEY TAKES YOU, MHV’S LENDING SOLUTIONS

EMPOWER YOU TO SAY, “ Yes, I Can!”

BUY MY FIRST HOME MHV makes the home buying process easy with

affordable options and an in-house team of experts to guide you through the home buying process from

pre-qualifcation to closing.

CAR SHOP WITH CONFIDENCE Get the best deal by getting pre-approved for your MHV Auto Loan before heading to the dealership. You’ll have peace of mind knowing you’ve locked in your fnancing

and can enjoy rate discounts with MHV Auto Pay.

PROTECT MYSELF IN AN EMERGENCY WITH A LINE OF CREDIT

An MHV Personal Line of Credit is an approved amount that can be accessed up to your approved limit. As you pay down your balance, you can access

available funds as needed.

PAY DOWN DEBT An MHV Personal Loan gives you the freedom and flexibility to

consolidate your debt or pay for vacations, home improvements, medical expenses and more!

LOWER MY MONTHLY PAYMENT If you’re looking to lower your monthly car payment, shorten your term or

reduce your rate, consider refnancing your auto loan to MHV.

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USE THE EQUITY IN MY HOME Put the value of your home to good use for home improvements,

weddings or events, education expenses and more!

PURCHASE ITEMS WITH A LOWER INTEREST RATE Experience the convenience and security of shopping, dining and travel

with an MHV Visa Credit Card. MHV has different card choices depending on your spending style, all with no annual fee.

INTERESTED IN APPLYING FOR AN MHV LOAN OR LINE OF CREDIT? Apply directly within Online or

Mobile Banking, at mhvfcu.com, call 845.336.4444 or stop in to any one of our branches.

HANDLE THE UNEXPECTED We know managing your checking account can sometimes be a balancing act.

MHV offers several services to give you some peace of mind.

OVERDRAFT OPTIONS Even when we manage our accounts responsibly, we may find ourselves in a situation when we need a little help. MHV’s Overdraft Options allow you to cover your expenses in those situations.

Overdraft linked to your Savings Account will automatically pull available funds from your Savings Account to cover transactions charged to your Checking Account when there aren’t enough funds in the Checking Account.

Overdraft linked to your Line of Credit will automatically pull available funds from your Line of Credit to cover transactions charged to your Checking Account when there aren’t enough funds in the Checking Account.

NO BOUNCE COURTESY PAY Courtesy Pay is a service that will cover your checks, automatic payments (ACHs), debit card transactions and ATM withdrawals in the event you do not have enough funds in your Checking or Savings Account. This service allows your account to be drawn negative to cover the transactions. Courtesy Pay for your checks and ACHs is included with your eligible account.

Courtesy Pay for your one-time debit card transactions and ATM withdrawals requires your enrollment.

Fees apply, see Fee Schedule for details.

PERKS PACKAGE Your MHV Checking Account comes with access to our exclusive

Perks Package, offering you the protection of IDProtect™ and Credit Report Monitoring.

Perks will monitor your social security number against hundreds of databases, watching for potentially fraudulent usage. You’ll also receive credit report monitoring and alerts, plus access to your credit score and reports from all three bureaus every quarter.

The Perks Package also includes all of the following:

• Cell Phone Insurance

• Entertainment® Savers Guide®

• Discounted Gas & Gift Cards

THE PERKS PACKAGE IS FREE WITH AN ULTRA CHECKING ACCOUNT.

All other checking accounts enjoy a 90-day free trial with a nominal monthly charge thereafter.

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TOOLS TO HELP YOU NAVIGATE FINANCIAL DECISIONS

We have the tools and resources you need to guide you on your entire fnancial journey.

Articles Our website is continually updated with articles discussing an array of fnancial topics. From buying a car to understanding credit to managing debt, browse our articles page for the information you need.

Videos Subscribe to MHV’s YouTube channel and be the frst to know when we post informational videos! We post how-to’s, fnancial tips and expert advice.

Seminars + Webinars Join us for one of our free monthly Financial Webinars! We also host seminars in many of our Branch Locations. Tune in to our website for all of our upcoming events.

Social Media Follow us on Facebook, Instagram, Twitter or Pinterest for quick fnancial tips, plus see behind-the-scenes pictures and videos and MHV’s community involvement.

Watch your email for our monthly eNewsletter!

ADVICE TO GUIDE YOU ON YOUR JOURNEY

We understand that your fnancial journey isn’t always clear and, even when it is, it helps to get guidance from someone who has the experience and commitment to help you along the way.

The MHV Investment & Retirement Center gives you access to fnancial professionals whose expertise and knowledge will help you manage every step of your fnancial journey. Whether you’re just starting out or facing retirement soon, our representatives will work with you to solidify your understanding of and plan for your individual situation.

• INVESTMENT PLANNING

• RETIREMENT PLANNING

• EDUCATION FUNDING

• LIFE INSURANCE PLANNING

• RETIREMENT SAVINGS

• ESTATE CONSERVATION

• LONG TERM CARE

• MUTUAL FUNDS

• STOCKS/BONDS

Call 845.336.4444 x. 3166 or 3126 to schedule a no-cost, no-obligation consultation today!

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Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the fnancial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. The CFP® certifcation marks are not affliated with CUNA Brokerage Service, Inc.

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BUSINESS BANKING SOLUTIONS

MHV’s Business Banking Solutions are a better way to help you manage your money and your business with ease.

Our full line of business products includes:

• Business Loans

• ADP HR Services and Payroll Processing

• Business Credit and Debit Cards

• Business Free Checking

• Business Lines-of-Credit

• Small Business Administration Loans

• Commercial Mortgages

• Business Ultra Checking with Interest

Call us at 845.336.4444 or stop into any branch to learn more about our Business Services.

WE OFFER A 24 HOUR EXPRESS BUSINESS LOAN APPROVAL on Loans and Lines of Credit

up to $25,000* *Restrictions may apply. See branch for details.

CORPORATE PARTNER PROGRAM

Our Corporate Partner Program is a no-cost way to supplement the benefts you currently offer your employees. Enhanced checking accounts for your employees, fnancial wellness seminars and special onsite events are all included with the Corporate Partner Program.

Contact our Business Development Offcer at 845.336.4444 for more information.

FINANCIAL CHECKLIST

Download the MHV Mobile App

Add your MHV Rewards Debit Card to your Mobile Wallet

Add your MHV Rewards Debit Card to your favorite shopping websites

Enroll at MHVRewards.com to start earning points for your debit card purchases

Set up Direct Deposit

Update your Debit Card number and/or Account and Routing Number.

Enroll in Perks (if applicable)

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VISIT ONE of OUR 13 CONVENIENT LOCATIONS IN

ULSTER, DUTCHESS or ORANGE COUNTY.

Red Hook Branch Saugerties Branch 7472 South Broadway 3180 Route 9W Red Hook, NY 12571 Saugerties, NY 12477 Rhinebeck Branch Woodstock Branch

Saugerties 6567 Springbrook Avenue 85 Mill Hill Road Rhinebeck, NY 12572 Woodstock, NY 12498

Woodstock Poughkeepsie Branch Main Kingston Branch Red Hook 21 Burnett Blvd, Suite 2 1099 Morton Boulevard Rhinebeck Poughkeepsie, NY 12603 Kingston, NY 12401

Hurley Kingston LaGrange Branch Hurley Avenue Branch 1516 Route 55 123 Hurley Avenue Port Ewen Lagrangeville, NY 12540 Kingston, NY 12401 Fishkill Branch Port Ewen Branch 584 Route 9, Suite 100 185 Broadway, Route 9W Fishkill, NY 12524 Port Ewen, NY 12466 Highland

Highland Branch Poughkeepsie 5 Wingate Way Highland, NY 12528

LaGrange Fishkill

Newburgh

Middletown

Newburgh Branch 1224 Route 300 Newburgh, NY 12550

Middletown Branch 360 Route 211 East Middletown, NY 10940

LOBBY HOURS Monday - Friday 8:00 AM - 6:00 PM Saturday 9:00 AM - 2:00 PM

PERSONAL TELLER HOURS Available Monday - Sunday 6 AM - 11 PM See website for holiday hours.

NMLS#411955 Federally Insured by NCUA MID-HUDSON VALLEY FEDERAL CREDIT UNION Equal Housing Lender Welcome Guide Version 3 • 10/19 845.336.4444 • mhvfcu.com