SharePoint Credit Union

Products And Services

• Internet Banking

  Internet Banking gives you easy online access to your accounts, allowing you to manage your account conveniently anytime, anywhere. You can pay bills, review account history, view copies of cleared checks, manage payees, transfer funds, send cash to friends and more; it is easy to control your finances! Questions? (952) 930-0700 or (800) 752-3494 or email: memberservices@sharepointcu.com

  Link: Internet Banking

• Mobile Banking

  Pay bills, deposit checks, transfer funds, locate a branch or ATM, even apply for a Visa or Vehicle Loan, managing your finances is easy with SharePoint’s Mobile Banking app. You can use mobile banking anytime, from anywhere; you are in control of your finances at SharePoint! Enrollment requirements: Must be enrolled in SharePoint's Internet Banking to use Free* Mobile Banking (Uses same Username and Password). Enroll today for Internet Banking access! SharePoint uses Secure Socket Layer (SSL) encryption to communicate securely through all mobile service providers. This blocks unauthorized access and protects your data, no matter how often you access your accounts. Questions? (952) 930-0700 or (800) 752-3494 or email: memberservices@sharepointcu.com

  Link: Mobile Banking

• eStatements

  Enjoy safe, easy access to your statements while reducing clutter and waste with eStatements. And eStatements saves SharePoint money on printing and postage; we pass the savings on to you with better rates and services! Sign up for FREE eStatements today- it's easy! Sign on to Internet Banking Click on "eStatements" on left side menu Follow instructions to sign up for e-Statements Approval can take up to two business days to occur. In the event that your information does not match our records, you will receive an e-mail or phone call with a request to resubmit your information. Once you receive your Welcome eStatement you can sign in to eStatements and enjoy its many benefits! You will receive your first eStatement in the next statement cycle following your enrollment. Questions? (952) 930-0700 or (800) 752-3494 or email: memberservices@sharepointcu.com

  Link: eStatements

• Remote Deposit Capture (RDC)

  SharePoint’s free Remote Deposit Capture (RDC) service within Mobile Banking gives qualified Checking Account holders a convenient and secure way to deposit checks without going to an ATM or branch, anytime, from anywhere. Now, deposit your check in seconds; it's so easy!* Eligible members can use RDC by selecting “Remote Deposit Capture” within Mobile Banking. Have questions on how to make a RDC? Review our FAQs to learn more about RDC. To apply for an amount over the limit, visit our website.

  Link: Remote Deposit Capture (RDC)

• Person To Person Payments (P2P)

  SharePoint offers free P2Ppayments, allowing you to easily pay someone using either their email or mobile number, instead of using checks or sharing account information. It is a fast, secure payment option from your personal SharePoint Checking account.* Simply set up a payee within Internet Banking initially, and then pay them anytime, within Mobile or Internet Banking. *Timing is dependent on when the recipient completes the verification process. P2P is not available on Business accounts. Up to $250 can be sent daily through P2P.

  Link: Person To Person Payments (P2P)

• BillPay

  SharePoint’s BillPay allows you to manage your money, pay your bills, send cash to a friend and more. Pay your bills in seconds securely within SharePoint’s Internet Banking or Mobile Banking. BillPay is a fast, easy way to manage your finances. Save time and money today by using BillPay; it’s free with any SharePoint Checking account. Checking account holders can easily add bill payees online within Internet Banking. Don’t have a checking account? Questions? (952) 930-0700 or (800) 752-3494 or email: memberservices@sharepointcu.com

  Link: BillPay

• Payroll Deduction

  Payroll Deduction is an easy, secure and sensible way to pay yourself first, by automatically adding to your SharePoint Share Savings Account from your regular paychecks. You can also use payroll deduction to repay loans automatically each pay period. Simply designate the amount of money you would like deducted from each paycheck. Your employer handles the transaction automatically and sends the money directly to SharePoint to be deposited to your Share Savings Account, Checking Account, IRA or loan. Please note: payroll deduction is a service offered through select employers. Sign up for payroll deduction at participating employers by providing your human resources department with your SharePoint account information along with the following information: SharePoint Credit Union 5300 Hyland Greens Drive, Bloomington, MN 55437 Routing #: 291074984 To verify you have the correct account information to set up payroll deduction, please call a Member Service Representative at (952) 930-0700 or (800) 752-3494.

  Link: Payroll Deduction

• SharePoint Debit Cards

  Carry SharePoint’s MasterCard® Debit card and benefit from easy access to safe, convenient purchases and cash withdrawals. Cardholders benefit with over 25,000 free ATMs nationwide with our MoneyPass network of ATMs (outside networks may assess their own fees). Or you can request cash back using your Personal Identification Number (PIN) at participating merchants through the STAR Network when making purchases with your debit card. Benefit from: MoneyPass ATM Network Free Card Alerts Cash Back Option

  Link: SharePoint Debit Cards

• Direct Deposit

  Enjoy easy access to your finances with direct deposit; it is safe, convenient and provides peace of mind that you’ll always have funds in your account as soon as they are available. You can set up direct deposit with your employer or through Social Security. Simply provide them with SharePoint Credit Union’s information, and your account information: SharePoint Credit Union 5300 Hyland Greens Drive, Bloomington, MN 55437 Routing #: 291074984 To verify you have the correct account information to sign up for direct deposit, please call a Member Service Representative at (952) 930-0700 or (800) 752-3494.

  Link: Direct Deposit

• Share Savings Account

  A Share Savings Account requires a minimum $5 balance; it gives you equal ownership in SharePoint Credit Union, a not-for-profit, financial cooperative. You benefit with highly competitive products and services, personal and unique solutions, and the tools and resources needed to help you reach your goals. The Savings account is a great way to help you start building wealth; the more you save, the more your Savings account rewards you.

  Link: Share Savings Account

• SharePoint Checking Accounts

  Managing and spending your money is easy with SharePoint. Choose from three great accounts, designed to help you easily manage your finances, access your cash, spend freely, pay bills and make purchases. Free Checking: Get the basics you need with no monthly fees. Choice Plus Checking: Earn interest and enjoy financial choice and flexbility. Premier Rate Checking: Earn higher interest rates with no minimum balance requirement.

  Link: SharePoint Checking Accounts

• Coverdell Education IRAs

  Open a Coverdell Education Savings Account (CESA) to finance a child's elementary, secondary, technical, college, or post-graduate educational expenses. This account (formerly known as an Education IRA) is a long-term savings; earnings accumulate tax-free and all distributions are tax-free when used for qualified educational expenses. Unused balances can even be passed on to benefit another family member.

  Link: Coverdell Education IRAs

• Secondary Savings Accounts

  Easily reach your goals when you set up a secondary savings account to save for anything: a down payment on a home, a new car, the holidays, emergencies, wedding, a bike, a car, or the vacation you’ve been dreaming of. You can open up to seven secondary savings accounts and name each of them for your specific saving goal. Great for adults, kids and couples, secondary savings accounts are an easy way to budget and reach your goals!

  Link: Secondary Savings Accounts

• Share Certificates

  SharePoint gives you more ways to build your savings with Share Certificates. Certificates are safe, high yielding and federally insured; the amount you invest and the term you choose determines your rate of return. It is an easy, safe way to make your money work harder for you to build wealth. Call: (952) 930-0700 or (800) 752-3494

  Link: Share Certificates

• Investment & Insurance Services

  Maura Steblay, ChFC, ChSNC, MAEd, CLU Partner, Financial Advisor Preparing for that next step in life isn't always easy. Maura's combination of experience, professionalism, and access to a wide variety of products and services can help you meet your financial goals, estate strategies, and insurance needs. Whether your goals include preparing for milestone life events like retirement or college, or whether you're simply looking for life, disability income, or long-term care insurance protection, Maura can give you a new level of attention, insight and capability. Contact Maura to discuss your financial future! Call: (612) 492-9353 Email: msteblay@financialguide.com Will meet by appointment at SharePoint branch location Maura Steblay is a registered representative of and offer securities, investment advisory and financial planning services through MML Investors Services, LLC, Member SIPC https://www.sipc.org/. Supervisory address: 100 S. Fifth Street, Suite 2300, Minneapolis, MN 55402. Phone: 612-333-1413.

  Link: Investment & Insurance Services

• eSavings Account

  Earn 3.00%APY^ for 2 Years! Easily save for anything with an eSavings Account, featuring: Earn 3.00% APY up to $10,000 for 2 years^ Automatically save with direct deposit with as little as $50/month^ Save for a wedding, vacation, home, car, or emergencies Free ATM card with nationwide ATM network No penalties for withdrawals

  Link: eSavings Account

• Money Market Accounts

  Start earning more with SharePoint’s Money Market Account; you'll receive monthly dividends on your hard-earned savings while allowing you easy access to your funds along with other great benefits.

  Link: Money Market Accounts

• Individual Retirement Accounts (IRAs)

  SharePoint offers retirement products to help you diversify your personal savings plan and reach your retirement goals. IRAs are safe, secure savings solutions; dividends are paid quarterly on IRA savings and IRA Certificate of Deposits. It is an easy way to earn more interest and supplement your retirement savings account.

  Link: Individual Retirement Accounts (IRAs)

• Home Mortgages

  Acquiring a new home is exciting! Whether you are looking to purchase your first home, upgrade to your dream home, downsize or simply refinance, SharePoint has Mortgage loan solutions designed to meet your needs. Our Mortgage experts are here to help you through the entire process with helpful information, choices and solutions to meet your personal goals (and within your budget)!

  Link: Home Mortgages

• Freedom Mortgage

  SharePoint's Freedom Mortgage loan is designed to help homeowners pay their home off faster. It is a smart solution for homeowners who have delayed refinancing their higher-rate mortgage due to the unknown closing costs typically associated with refinancing a mortgage.

  Link: Freedom Mortgage

• Home Equity Loan and Home Equity Line of Credit

  SharePoint offers a variety of loan solutions for homeowners to make repairs, upgrades, additions or even use their equity to finance larger purchases, consolidate debt or finance an education. SharePoint’s solutions are unique, all offering great rates, flexible terms and convenient access to the funds you need to accomplish your dreams and goals. Home Equity Loan: Fixed Rate - Popular for Fixed Cost Projects Lump Sum of Money for Immediate Use Fixed Interest Rate, Equal Monthly Payments Home Equity Line of Credit: Variable Rate - Payments Vary, Base on Amount Borrowed, Indexed Access Funds as Needed Convenient for Ongoing Access or for Emergencies

  Link: Home Equity Loan and Home Equity Line of Credit

• Auto Loans

  SharePoint offers you the best auto loans! Whether you are purchasing a new or used vehicle, or want to refinance an Auto loan to SharePoint, you will benefit from value, convenience and choices!

  Link: Auto Loans

• Easily Finance: Boats, Snowmobiles, ATVs & More

  Whether you enjoy time on the lake, a cross-county adventure or going off-road, we can help you make the most of your free time with a SharePoint Recreational loan! We offer financing solutions to purchase a new or used recreational vehicle, or can help you refinance your Recreational loan to SharePoint to save money or even pay your loan off faster; you will benefit from value, convenience, and exceptional personal service!

  Link: Easily Finance: Boats, Snowmobiles, ATVs & More

• Reserve Line of Credit

  SharePoint's Reserve Line of Credit is a pre-set credit limit tied to your SharePoint Checking account. It's like a loan waiting to happen; you can use the funds immediately, or save it for peace of mind. Benefits of a Reserve Line of Credit: No annual fee Provides overdraft protection Easily transfer funds through Internet or Mobile Banking Funds will automatically transfer in the event account is overdrawn for a $2.00 convenience fee Automatic payments are set up from your SharePoint Checking account Flexible credit lines, depending on your needs and qualifications

  Link: Reserve Line of Credit

• Savings Secured Loans

  We understand the value of keeping your investments in place so they can continue earning interest. A Savings Secured Loan gives you access to a lower loan rate while still earning a higher interest rate on your savings by using it as collateral. You benefit with the flexibility to use the funds for a variety of purposes, including: auto purchases, debt consolidation, home improvement, personal and more.

  Link: Savings Secured Loans

• Personal Unsecured Loans

  A SharePoint Personal Unsecured Loan is a great option to finance larger or unexpected expenses, like a vacation, wedding or vehicle repair. It does not require collateral, which allows flexibility and convenience. A SharePoint Personal Unsecured Loan offers competitive rates and convenient payment options, making it an easy financing solution.

  Link: Personal Unsecured Loans

• Visa® Credit Cards

  SharePoint‘s Credit Cards offer cardholders exceptional value, convenience and security. Accepted worldwide, your SharePoint Visa Credit Card will you give you buying power anytime, anywhere your adventures take you.

  Link: Visa® Credit Cards

• CURewards® - Earn Points. Get Rewards.

  You can start earning Points toward premium merchandise or exciting travel you've always wanted just by using your SharePoint Visa Credit Card. This free rewards card earns one (1) point for every dollar you spend*. Points in the CU Rewards Program remain in your account for 5 full calendar years before they expire, giving you plenty of time to save up for the merchandise or travel reward that you want. Questions about your Rewards? Questions about Merchandise Rewards: (888) 634-6318 Questions or to redeem Travel Rewards: (800) 900-6160 If you don't have a SharePoint Visa Credit Card, now is a great time to become a cardholder!

  Link: CURewards® - Earn Points. Get Rewards.

• Checking Accounts

  SharePoint’s Business Checking products offer value and convenience to help your business run seamlessly. You’ll benefit with exceptional features along with personal service from knowledgeable business bankers who specialize in helping your business succeed! Traditional Checking: Low, Initial Deposit of $100 No Minimum Balance No Monthly Service Fee No Charges for the First 75 Items Free Debit Card Business Reserve Line Available Enhanced Checking: Earns Interest Minimum $2,500 Average Daily Balance Unlimited Account Items Free Debit Card Business Reserve Line Available Reserve Line of Credit: Convenient and Economical Protection from NSF Fees Easy Application and Approval Process Protect Your Checking Account by Avoiding Overdraft Fees from Unexpected Expenses

  Link: Checking Accounts

• Business Loans

  We can help you grow your small business with a full suite of business loans that offer flexibility, convenience and the ability to fulfill your short- and long-term financing needs. SharePoint can offer solutions to help get your business started, expand or take your business to the next level. We are here to help you every step of the way. Term & Equipment Loans: Choose an Amount with a Fixed Payment Expand Your Business; Purchase Vehicles, Equipment and Machinery Line of Credit: Bridge the Gap of Seasonal or Short-Term Immediate Cash Flow Needs Secured by Assets, Inventory or Accounts Receivable, or Can Be Unsecured Commercial Real Estate Loans: Finance a Building Purchase Refinance an Existing Building Finance an Expansion of Existing Building

  Link: Business Loans

• Merchant Card Processing

  SharePoint offers Merchant Card Processing through Higher Standards, giving your small business the ability to easily process credit cards, ACH, check scanning and more. Take your business to the next level with great services like: E-Commerce, virtual terminals and gateways, gift cards and loyalty programs, check guarantee verifications, and EBT and Pin Debt processing; our full suite of solutions will help your business thrive.

  Link: Merchant Card Processing

• Remote Deposits

  SharePoint Credit Union can help your small business improve efficiencies and enhance cash flow with Remote Deposit! Remote Deposit provides your business with the ability to capture images of checks, and then transmit them to your SharePoint Business account for deposit, from the convenience of your office. Contact SharePoint for more information, to receive a free quote or set up Remote Deposit for your business today; it’s easy!

  Link: Remote Deposits

• Business Visa® Credit Cards

  Business Visa Credit Cards are a smart choice for small business owners who need flexible spending options that allow them to easily maintain their business while easily tracking expenses. Enjoy competitive rates and features along with local, personal service without hidden fees and the hassles that accompany national card services. You will benefit from: CURewards Program No Annual Fee Low Monthly Payment Free Account Alerts

  Link: Business Visa® Credit Cards

• Carvana

  Browse certified inventory, shop from home 24/7, and buy with confidence!

  Link: Carvana

• TurboTax

  Save up to $15 on TurboTax Federal tax products.

  Link: TurboTax

• Love My Credit Union Rewards

  Exclusive savings for Credit Union Members.

  Link: Love My Credit Union Rewards

• TruStage Auto & Home Insurance Program

  Get trusted protection at true savings with TruStage Auto & Home Insurance Program.

  Link: TruStage Auto & Home Insurance Program

• Trustage Life Insurance Program

  Life Insurance helps you prepare for that uncertainty by protecting the people you hold closest.

  Link: Trustage Life Insurance Program

• TruStage AD & D

  Your no-cost Accidental Death & Dismemberment coverage is waiting for you. All you have to do is claim it.

  Link: TruStage AD & D

• Teller Line Connection (TLC)

  SharePoint Credit Union's free Teller Line Connection (TLC) allows you to access your savings account, checking account or loan information, make withdrawals or complete transfers between your own accounts. Use it anytime using your touch-tone phone, SharePoint member number, and four-digit PIN (Personal Identification Number). TLC guides you through the process with intuitive, easy-to-follow prompts that allow you to quickly perform transactions without entering codes; simply follow the voice prompts to guide you through every transaction. Access TLC within the Twin Cities metro area at (952) 988-8181 or outside the Twin Cities metro area (800) 752-3494.

  Link: Teller Line Connection (TLC)

• Wire Transfers

  SharePoint Credit Union offers wire transfer services to our consumer and business accountholders at our branch locations, allowing you to send or receive money securely and quickly. Contact SharePoint for full details, specific instructions and fee information for both sending and receiving a wire transfer. For those interested in sending a wire transfer, please be prepared to provide the following information regarding the wire destination: - The full name and account number of the beneficiary. - The required bank or credit union information of the beneficiary. (Please provide a copy of the wire instructions from the receiving bank or credit union if possible.) If you have questions about sending or receiving a wire transfer, or would like to use this service through SharePoint Credit Union, call us at (952) 930-0700 or (800) 752-3494, or visit any branch location

  Link: Wire Transfers

• Card Alerts For Debit & Credit Cards

  Easily choose the alerts that matter to you! SharePoint’s free alerts help protect you from fraud by putting you in control of your account information. You can choose to be notified of dollar amounts, online, international or "card not present" purchases and more! You can also choose text message or email notifications.

  Link: Card Alerts For Debit & Credit Cards

• Reorder Checks Online

  SharePoint Credit Union makes it easy to reorder checks through our partnership with Bank A Count. To reorder checks online, please click the button below. You can also call Bank A Count’s Customer Service Representatives at (800) 752-3494.

  Link: Reorder Checks Online

• Safe Deposit Boxes

  Safe deposit boxes are a smart, secure way to store important items such as legal documents, birth certificates, jewelry or family heirlooms. SharePoint Credit Union offers safe deposit box rentals at our St. Louis Park branch. Choose from three sizes and rental rates: 3"H x 5"W x 21"L = $25.00 per year 3"H x 10"W x 21"L = $45.00 per year 5"H x 10"W x 21"L = $55.00 per year For more information or to reserve your safe deposit box, contact a Member Service Representative at (952) 930-0700 or (800) 752-3494, or stop into the St. Louis Park branch.

  Link: Safe Deposit Boxes