FirstLighter February Monthly Update

**FirstLight is an Equal Opportunity Lender. FirstLight is an Equal Housing Lender.**

  FIRSTLIGHTER  

  FEBRUARY 2021   

  MEMBER COMMUNICATION UPDATE  

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  Life Happens and sometimes the punches do not roll in our favor.  We understand that at FirstLight and that’s we are offering our NEW Fresh Start Spend Account to tackle less than perfect credit or perhaps a few checking account dings that you have along the way.  We want to give you a fresh start and get you back on track!    

  Our Fresh Start Spend Account gives you a chance to take advantage of the many conveniences that come with a FirstLight account and provides you with the tools you need to move toward financial independence! You can even earn an incentive of $50!  

  Fresh Start Spend Account Features:  
    VISA® Debit Card with Purchase Rewards (Personalized offers based on your shopping history/spending patterns)
  Access to over 100 local and nearly 30,000 nationwide no-fee ATMs** (no check deposit)
  Access your account nationwide through any CO-OP, the Armed Forced Financial Network (AFFN )or NYCE networks.
  24/7 account access with telephone, online, and mobile banking services
  Access to Shared Branching - over 5,600 credit unions nationwide allow our members to conduct their business as if they were at FirstLight.
  Track Finances with Finance Manager.
  Access to Balance Financial Fitness—your guide to financial counseling services to understand budgets, money management, credit report reviews, and financial webinars.

  Complete six months of positive activity within the Fresh Start Spend Account and claim your incentives! Here’s how to graduate to a Simply Checking Account and earn your $50 Graduation Credit:  
    Set up Direct Deposit*
  Sign up for e-Statements*
  Use your debit card to make at least 10 purchases*
  Complete Financial Literacy Courses
  Satisfy the monthly fee of $20 for six consecutive months
  Avoid Overdrafts, NSF Fees, and Returned Checks

  Additional Features Available After Account Graduation  

  Mobile Check Deposit  
  Deposit checks quickly with your mobile phone that complements your on-the-go schedule. No need to go to the branch.

  External Transfers  
  Allows you to easily move money between your accounts with us and other financial institutions.

  Popmoney®  
  Send money directly to anyone with no need to write a check, exchange account numbers or carry cash.

  Bill Pay  
  Say goodbye to stamps and envelopes and pay bills in a safe, convenient, and easy way within online banking.   

  OPEN YOUR ACCOUNT ONLINE!  

  Disclosure  
  Membership eligibility requirements apply. Fresh Start Spend Account has a $20 monthly service fee until graduation requirements are met. Not all accounts earn the graduation credit, refer to Fresh Start Spend Account disclosure for details. Contact us for the full disclosure. Data rates may apply for use of additional account services. Federally insured by NCUA.*Must meet requirement within 6 months in order to qualify for $50 graduation credit. **No fee ATMs include CO-OP Network only.  

  E-Statements  

  Help us save our planet and we’ll help you save a $1 each month. Sign up to receive your statements electronically to avoid paying the $1 monthly paper statement fee.  

  How do you sign up for E-Statements?

  Create an online banking account by visiting our website at FirstLightFCU.org and clicking on the “Register” link inside the red box labeled “Online Banking Secure Login”.

Once you register, click on the “Additional Services” tab at the top and then select “Statements.” Make sure you click on the “Paperless” option and enter your email address.

That’s it!
You’re all set up to start saving Planet Earth and a buck!  

  FirstLight Giving   

  In our effort to continuously live our FirstLight mission of “Improve Lives. Achieve Dreams”, we are proud to announce our newest initiative, FirstLight Giving.  Moving forward, with every funded loan—that’s a mortgage, credit card, as well as an auto and personal loan too—we will donate $1.00 to the El Pasoans Fighting Hunger Food Bank to combat food insecurity.  Over the next ten years, FirstLight projects making an impact of over one million meals to local families.  If you are in the market for a home improvement, auto, or any other type of loan, consider FirstLight and know that you are making a difference in the community!  

  This is a community-driven initiative in the spirit of what we do best…people helping people. At FirstLight, we recognize we are more than financial institution and, in this case, making a measured difference in food insecurity.  Through our first month, our loans funded would impact nearly 10,000 meals.  

  FirstLight is an Equal Opportunity Lender. FirstLight is an Equal Housing Lender.  