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[{"title":"Update Online/Mobile Banking and Visa Migration","description":"12.16.24 Please check your email and spam folder for updates.10.2.24Online/Mobile Banking and Visa IntegrationPlease know that we understand the frustration that the migration that we were required to do is still not resolved. BUT we are making progress in the right direction to have this corrected. We have been told we are on the last 2 steps of getting this corrected. Another migration is scheduled to be done on 10/3/2024.  We then will be told when the last migration will be done after this one is complete.We apologize for the inconvenience as we work through our migration. It was discovered that during the migration at the end of April, the platform to display the most up to date credit card information on home and mobile banking also needed to be updated. While we work on this updated service, we have removed the credit cards from the home banking site to not cause alarm or confusion with billing issues and updated balances.Here are options to make your payments during this time:•\tSend a message through home banking with the payment amount and the last 4 numbers of the card. Payment requests received before the end of the business day will be transferred that day. Payments received outside of business hours will be          made by end of business the following day.•\tCall the office and request a transfer from your CommonRoots account.•\tLog into your Visa Online Access account, and make a payment through there (keep in mind that is not immediately applied).•\tMail your payment to our office. •\tMail your payment to the mailing address listed on your visa statement.To see the most up to date Credit Card information, please log into the Visa Online Access site. Please know we are working on this every business day. The currently expected time frame for completion of this update is August. Thank you for your patience as we continue to work through this process.CommonRoots Team 5.3.2024Online/Mobile Banking and Visa Migration We apologize for the inconvenience as we work through our migration. It was discovered that during the migration, the platform to display the most up to date credit card information on home and mobile banking also needed to be updated. While we work on this updated service, we have removed the credit cards from the home banking site to not cause alarm or confusion with billing issues and updated balances.Please check your messages in Online/ Mobile Banking for more secured details.","datecreated":"7%5%2024,15%06%29","datemodified":"12%16%2024,13%16%03"},{"title":"Share your Roots","description":"Share your Roots with Friends & Earn Cash Rewards!Share the benefits of CommonRoots FCU membership with yourfriends, family, co-workers, and neighbors. When you refer someone toCommonRoots FCU, you BOTH earn cash.*<a href=\"https://www.commonrootsfcu.com/pdf/newsletter.pdf\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: rgb(11, 130, 67);\">Get Started Today!</a> Link in newsletter","datecreated":"8%2%2024,21%14%19","datemodified":"8%2%2024,21%17%28"},{"title":"Member Account Verification","description":"CrossState Solutions, Inc. has been contracted by your credit union to conduct a member account verification. Please report any discrepancies on your accounts in writing to: CrossState Solutions, Inc. Audit Services, 4309 North Front Street, Harrisburg, PA 17710-1618. Balances will be considered correct unless otherwise notified within 30 days. Thank You","datecreated":"10%9%2024,16%46%26","datemodified":""},{"title":"Beware of Brushing Scam!","description":"Beware of Brushing Scam!A recent scam has been showing up in many states. A \"brushing\" scam is when someone receives an unexpected gift or item not ordered in the mail from a place like Amazon or other company. Examples of gifts include, rings, bracelets, necklaces, Bluetooth speaker, etc. The gift will have the recipient’s address, but not include the sender's information or be from a known retailer. When the recipient opens the package to see what it is and possibly who sent it, there is a QR code to scan to find out who sent the gift.Once the code is scanned, all the information from that phone will be sent to scammers. They receive all access to the phone. All personal and financial information is accessible to the scammers and often the victim's bank accounts are drained.The gift can be kept or thrown away, but the QR code should NOT be scanned for any reason. QR code scams are nothing new. These scams show up in all places, including parking meters. Inform your family members about the scam and avoid scanning any unknown QR codes included in the package.  ","datecreated":"12%16%2024,13%13%48","datemodified":""},{"title":"Student Scholarship Available.","description":" The Beaver Valley Chapter of Credit Unions plan to offer three $500, one $1,000 and one $1,500 scholarships. If you are a CommonRoots FCU student, you may qualify.Scholarship requirements, applications and required documents can be found on our website and Must be received NO Latter than March 1, 2025. So don’t wait!Please email info@commonrootsfcu.com for the application and requirements. ","datecreated":"1%6%2025,23%23%09","datemodified":"1%15%2025,23%34%19"},{"title":"HSA Info Letter Part 1","description":"HSA Info Letter Part 101.16.25Dear HSA account holder,We would like to remind our valued members that as of May 1st, 2025, the HealthSavings Account (HSA) Debit Card will no longer be available. This change reflectsan evolution in our banking operations, designed to enhance how you access andmanage your financial services.We understand that transitions can be challenging, which is why we are committedto providing you with comprehensive information about this change.We encourage you to embrace our online banking platforms, which offer a seamlessexperience for fund transfers, bill payments, and account management.To support you during this transition, we will provide resources and guidance to helpyou become proficient with these digital tools.Additionally, for those who prefer face-to-face interactions, we continue to offerservices for deposits and withdrawals. We appreciate your understanding and lookforward to assisting you every step of the way!As we prepare for this change, we want to ensure that your experience remainssmooth and hassle-free. To facilitate this transition, we kindly ask our valuedcustomers to take a few proactive steps:First, please update your contact information, especially if you have autopayments linked to a debit card; you will need to make necessary adjustmentsthrough the Automatic Clearing House (ACH) system or by attaching adifferent card.Secondly, we encourage you to download our mobile app to explore itsfantastic features and capabilities—it's designed to enhance your experience.Should you have any questions or require assistance, our office is always hereto help!In conclusion, reminder that the Health Savings Account Debit Card will bediscontinued on May 1st, 2025. While this change may alter how you accessyour Health Savings funds for reimbursements, rest assured that we arecommitted to providing you with new options for managing payments throughyour Health Savings Account.Your understanding and cooperation during this transition are greatly appreciated!Tomorrow's email will provide some great information how many HSA accounts youcan have, deposits, withdraws, and more....Kasi Devinney","datecreated":"1%15%2025,23%22%25","datemodified":""},{"title":"HSA Benefits and Potential Letter Part 2","description":"HSA Benefits & Potential part 201.17.25Dear HSA Account Holders - check out all this great information!UNLOCK THE BENEFITS OF YOUR HSA ACCOUNT TODAYA Health Savings Account (HSA) is not just a savings tool; it's a strategic asset designed toempower you in managing your healthcare costs while enjoying significant tax benefits. If you'recontemplating opening an HSA or are already a holder, mastering its usage can elevate bothyour financial planning and healthcare strategies.This email will help walk you through the essentials of navigating your HSA effectively. An HSA isspecifically tailored for individuals enrolled in a High Deductible Health Plan (HDHP), allowing youto set aside pre-tax dollars for qualified medical expenses.This not only helps in reducing your taxable income but also ensures that your healthcare costsare more manageable.Among the many advantages of an HSA, you'll find that contributions are tax-deductible,providing immediate tax relief.Withdrawals made for qualified medical expenses are tax-free, allowing you to utilize yoursavings without any additional tax burden.Furthermore, your funds can grow tax-free through interest and investment earnings,maximizing your savings potential.Another remarkable feature is portability; your HSA remains with you, regardless of job changesor shifts in health plans.By understanding these key features and leveraging your HSA effectively, you can take controlof your healthcare finances and enjoy peace of mind knowing you are prepared for futuremedical expenses.Take advantage of our Health Savings Account (HSA) offers designed to empower you on yourfinancial journey.With contribution limits set at $4,300 for individuals and $8,550 for families in 2025, you canmaximize your savings and secure your health expenses. Additionally, if you’re 55 or older, youhave the unique opportunity to make catch-up contributions of an extra $1,000.Whether you prefer payroll deductions, direct deposits, or lump-sum contributions, we are hereto guide you through the process of opening your HSA with ease and confidence.UNLOCK THE FULL POTENTIAL OF YOUR HSA FUNDSDiscover the numerous benefits of utilizing your Health Savings Account (HSA) funds effectively.With your HSA, you can cover a wide range of qualified medical expenses, including essentialdoctor visits, necessary prescription medications, and care for your dental and vision health.Whether it's purchasing medical equipment or managing routine healthcare costs, your HSA is avaluable resource at your disposal.When it comes to making withdrawals, you have flexible options. You can reimburse yourself forout-of-pocket expenses after payment or utilize your HSA provider's online platform for seamlessbill payments.It's essential to keep track of your contributions and maintain organized records. By savingreceipts for your qualified medical expenses, you can easily verify your withdrawals and ensurecompliance with annual limits.Moreover, your HSA can be a powerful tool for long-term financial health. Many HSAs offerinvestment options akin to retirement accounts, allowing you to grow your funds over time.Consider maintaining a regular HSA for yearly medical expenses and having an additional HSA forfuture healthcare costs or retirement needs. Embrace the opportunity for long-term growth withyour HSA funds and secure your financial well-being.In today's fast-paced world, managing healthcare expenses can be a daunting task. However, aHealth Savings Account (HSA) stands out as a flexible and powerful tool designed to help younavigate these challenges while also offering significant tax advantages.By understanding the features of an HSA and learning how to use it effectively, you cansignificantly enhance both your health and financial well-being.It is essential to remember that personalizing your HSA strategy may require the insights of afinancial advisor or tax professional, ensuring that it aligns perfectly with your unique needs. Forthose seeking more detailed information, IRS.GOV serves as a valuable resource to guide you onthis journey.EXPLORE THE BENEFITS OF MULTIPLE HSA ACCOUNTSA Health Savings Account (HSA) serves as an exceptional financial tool, particularly forindividuals enrolled in high-deductible health plans (HDHPs). One question that often arises iswhether it is permissible to maintain more than one HSA account. Understanding the intricaciesof HSAs can empower you to make informed decisions about your health savings.HSAs offer remarkable tax advantages; contributions are tax-deductible, allowing your funds togrow without incurring taxes, and withdrawals made for qualified medical expenses are also taxexempt.However, eligibility criteria must be met, including being covered by an HDHP, not being enrolledin Medicare, and not being claimed as a dependent on someone else's tax return. Furthermore, itis important to be mindful of the annual contribution limits set forth by the IRS, which canimpact your overall savings strategy. Let us delve deeper into the world of HSAs and discover thepotential benefits of having multiple accounts.UNLOCK THE BENEFITS OF MULTIPLE HSA ACCOUNTS TODAY!We are excited to share valuable insights about the advantages of holding multiple HealthSavings Accounts (HSAs). Yes, you can have more than one HSA account, and there are no legalrestrictions preventing you from doing so. In fact, having multiple HSAs can provide strategicbenefits that enhance your financial health.One of the primary reasons to consider multiple HSAs is the diversification of funds.Just like with any other savings or investment accounts, diversifying where your HSA funds areheld can lead to better financial security.Additionally, if you have an HSA through your employer, opening another account independentlyallows you to gain greater control over your investment options and account fees.Furthermore, different HSA providers offer varied investment opportunities, which means that byholding multiple accounts, you can access a broader range of choices tailored to your financialgoals. However, it’s important to remember that while you can open multiple accounts, theannual contribution limits apply to the total contributions across all your HSAs.Make sure to keep track of your combined contributions to stay within the IRS limits. Explore thepossibilities of multiple HSAs and empower your financial future!IMPORTANT INSIGHTS ON MANAGING MULTIPLE HSA ACCOUNTSManaging multiple Health Savings Accounts (HSAs) can provide a variety of investmentopportunities and enhance your financial strategy. However, it is essential to be aware of theIRS annual contribution limits that apply to the total contributions across all your HSA accountscollectively.This means that while you can have several accounts, you must ensure that your combinedcontributions do not exceed these limits.Additionally, the administration of handling multiple accounts should be considered, as trackingcontributions and distributions can require more diligence to maintain compliance with IRSregulations.It is also wise to review the associated fees. In conclusion, while having more than one HSAaccount can be advantageous, it is vital to stay informed about contribution limits, administrativerequirements, and fees to fully maximize the benefits of your health savings strategy.As always, we are here to help you navigate all the HSA questions you may have.","datecreated":"1%15%2025,23%25%24","datemodified":""},{"title":"Visa Online Access","description":"If a member wishes to have more step by step instructions, we have them available. If you wish for these, Please contact us at the office and we will be glad to help with this. ","datecreated":"2%7%2025,12%08%44","datemodified":""},{"title":"2.19.25 Important Update on Android Mobile App","description":"Current IssueWe have been made aware that there is an issue affecting our Android Mobile App in conjunction with Google services. We understand the inconvenience this may cause, and we sincerely apologize for any disruption this has brought to your daily activities. Please rest assured that we are actively collaborating with Google to resolve this issue as quickly as possible. Our technical team is dedicated to ensuring that the app is restored to full functionality. Alternative AccessIn the meantime, you can still access your account seamlessly by using the website login for Home Banking. This alternative provides you with all the necessary features to continue managing your account without interruption. Thank YouWe appreciate your patience and understanding during this time. Your satisfaction is our priority, and we are committed to resolving this issue promptly. Thank you for your continued support.","datecreated":"2%19%2025,11%37%04","datemodified":""}]