The convenience of PIN-based transactions

Now that the $0.25 PIN-based POS Fee is no longer charged on checking accounts, you’ll not only save money, but will also experience other conveniences using your debit card as a PIN-based transaction.

  • Some warehouse stores have exclusive agreements with only one of the big credit card companies. However, these merchants do accept debit cards when using your PIN.
  • If you aren’t close to a surcharge-free ATM when you need cash, you can get it at merchants and avoid costly foreign ATM fees.

While these are great conveniences, we ask that if they don’t apply to your circumstance, please continue to sign for your transactions. This helps us to continue passing more savings on to you in the form of better rates and fewer fees.

With Google Wallet, Your Smartphone Is Now Your Wallet.

Google Wallet is an Android app that makes your smartphone your wallet. It securely stores virtual versions of your Visa, MasterCard, American Express and Discover credit and debit cards, where you can access them anytime.

Signing up for Google Wallet

Our Mobile App is Now Available!

Pay a bill while waiting in the drive-thru. Transfer money while in a long-winded meeting (very discreetly, of course). Make a deposit while relaxing in the park. Some of this was possible via smartphone browser before, but now it’s much easier with our mobile banking app, MyMobile! 

We’re very excited to be offering our members yet another convenience, starting with the app for iPhone and Android.

With MyMobile, you’re able to manage your Vantage accounts anywhere via your mobile device. All you have to do is download the app on your device from the App Store or Googleplay (search for Vantage CU). Then simply use the same credentials you use when logging into MyVantage online banking, follow a few validation prompts, and you’re ready to go!

Who Wants to Save Some Money?

It all started in 2008 with a relationship between General Motors executives and the Michigan Credit Union. Today, Invest in America has saved money for millions of credit union members all across the country, including a new milestone of savings on 500,000 U.S. vehicles.

Invest in America now offers significant discount opportunities through partnerships with a number of U.S. companies and organizations. Here are just a few of those companies and the discounts they bring to credit union members:

Impulse--Bye!

It’s easy to promise that we won’t spend excess money as we’re sequestered away in our living rooms, relaxing in our easy chairs. But when we’re standing within arm’s reach of the best-looking jacket we’ve ever seen, well, that easy chair promise seems so very far away. That jacket has jumped into our psyches and hit directly on the hard-to-ignore impulse button.

Hey, there’s nothing wrong with rewarding yourself once in awhile with an off-the-chart purchase. After all, you keep your nose to the grindstone; a little reward can be in order. The problem steps in when that reward becomes more of a standard practice, happening on a regular basis. Your budget could suffer, which in turn means you could suffer down the road.

The object here is to put some real clamps on impulse buying. But how? The peeps at Freeintenyears.com have some tips.

Bank On MOre: The Credit Unions of Missouri

Bank On MOre is a campaign developed by the Missouri Credit Union Association (MCUA) to raise awareness about credit unions in Missouri and our distinct differences from banks. You will see this campaign all around the area.

So you know the benefits of being a member of a credit union, but your friends and family don’t. Here’s a quick list of what credit unions offer that banks don’t, from the Bank On MOre campaign:

The Gift of Choice!

Aunt Jeanne already has enough cowhide-themed knick-knacks in her kitchen, and your brother doesn’t really need another tool. What to get them this time around? How about the gift of choice? Give them a pre-paid Visa gift card from Vantage, and they can choose whatever they want from just about anywhere they want it.

Acting On Community Needs

East St. Louis. Florissant. Sunset Hills. Warrenton. Vantage has a presence throughout the St. Louis Metro area. We’ve been entrenched in the community for over 55 years now, and we consider ourselves lucky to be in a position to give back, whether through donations or services. Here are just a few things we’re proud of:

Your Ca$h Rewards Are Waiting!

What? You’re not earning cash rewards through MyE-Rewards? It’s free money with no sign-up or coupons to print. Now’s the time to start taking advantage! In January 2013, the average reward amount per account was $3.25. Top merchants used during January to receive cash back included:

  • Redbox
  • Starbucks
  • FedEx
  • Charter
  • Chevy’s
  • Burger King
  • Auto Zone
  • Church’s Fried Chicken
  • Sports Authority

Movies. Eating. Deliveries. Vehicle maintenance. Chances are pretty good you’ve made use of at least a handful of these services in the last few months. You could be earning cash back just by making the purchases with your Vantage check card.

Let’s do a quick review on what you’re missing.

Have You Considered Consolidating Higher-interest Credit Cards?

When it comes to the average amount of debt in U.S. households, our credit card balances are behind only mortgages ($149,782) and student loans ($34,703). American consumers are in debt to the tune of over $11 TRILLION, with just under half carrying a credit card balance, with an average balance of over $15,000*.

If we take the average credit card balance for U.S. households ($15,000) and attach the average interest rate (around 14%), according to Bankrate.com’s Credit Card Calculator, the minimum payment (at 2% of your balance) would be $300.

We Need a New Vantage Young & Free St. Louis Spokester!

Have you seen Jenn Cloud speeding around town in that colorful Young & Free Nissan Cube? Well, she’s not really “speeding” (she’s a very responsible driver!), but she is all over town, attending events, handing our swag and being seen (and handing out $10 after being seen!).

But Jenn’s time is about up as our current Young & Free spokesperson, and that can only mean that we need to find a replacement. Could that be you? Are you the next voice for Young & Free St. Louis?

Brrrrrrrrring On Some Winter Clothing Savings

According to the Farmers’ Almanac, the winter of 2012-13 will bring colder-than-normal temperatures to our region. Is your family’s wardrobe ready for the chill of Old Man Winter? Winter clothing can get expensive, but we’ve found some tips from thefamilywallet.com on how to save money on winter clothing.

Unequal Opportunity

It’s the number one consumer complaint received by the Federal Trade Commission.

Its numbers increased by 13% in 2011.

Its victims numbered over 11.6 million last year.

Yep, people are still out there trying to steal your identity. They think nothing of using your good name to create bad scenarios. But identity theft isn’t an equal-opportunity crime, some of us are at greater risk simply because of our behavior. How’s your risk factor?

What NOT to Buy in October

Well here it is, October. Already. Fall is officially cooling down a long, hot summer, and the holidays are lining up to take us through the New Year. Some serious shopping will be here soon (if it hasn't already started for some), but don't jump the gun on select items you may have your eyes on. October is just not the month to get the best buys on many items. So in the spirit of saving you some money, let's take a look at stuff you'll want to hold off on buying until prices hit more budget-friendly levels.

MyE-Rewards Payoffs Continue To Add Up!

Are you taking advantage of our MyE-Rewards program? It seems many members are by simply using their Vantage check card and managing their checking accounts online. The rewards just keep adding up, now to the tune of over $10,000!

We created MyE-Rewards to reward members for their loyalty. This unique program is available FREE to all Vantage members who use a Vantage check card and manage their Vantage checking account online.

To date, we’ve handed out some serious rewards!

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