Can anyone give a review of their online banking and the bill pay? Is it simple and smooth? Is the interface pleasing? I know this might sound trivial to some considering the 7%, but it matters to me. Thanks

bas2000 said:...

What about when you're out of the country for a month, then the interest drops down to nothing?

Write a check (or ACH) over to a high yield savings for that month. Then, when you are ready to WORK for your money, ACH it back.

Question for everybody. I applied online last night. Are there any forms I can send in now that will speed up this process? Or should I just wait for the welcome kit?

johane said:$0.49 cents for Amazon short stories... one click ordering.

that takes you to the general Amazon link...the actual url is: Amazon.com/shorts.......

but will most reward checking accounts count these under $1 purchases for meeting their requirements?

johane said:FDIC has requirements for reward checking accounts:
"Banks may not require that transactions be of a certain dollar value (individually or in aggregate)."
http://www.complianceheadquarters.com/Documents/fdic-chiro-05-2007.pdf

That being said, I've seen postings that some Reward Checking accounts close your account if it looks like you are using it differently than they intended.

I've found that Amazon purchases count as Point of Sale purchases with my reward checking account (not this one).
This is good information, but keep in mind that it's an FDIC document, and thus has no effect on credit unions, such as MidWest America Federal Credit Union. Unless the NCUA has issued an equivalent document, or has similar rules, you can't apply this information to a Reward Checking account product that a credit union offers.

cmv said:Do they use cibng.ibanking-services.com like First Banking Center (one of the 6.01% places for rural Wisconsin)? I wish MoneyCenter.Yodlee.com would get on the ball with adding these smaller institutions!

I just checked and MidWest America Federal Credit Union is listed in Yodlee. I don't have an account so I don't know if it works perfectly. Anyone with Yodlee and an account willing to verify?

PoisnBGood said:So they have a couple of links that claim to be the application:
Here and here

Which one do I want? How do I apply to the rewards checking and the Allen County SPCA at once?I applied with the 2nd link you posted (http://www.midwestreward.com click APPLY NOW and then wait 20-30 seconds for the form to show up) and once you fill that out they'll mail you a packet with the membership info that you need to fill out (got mine 3 days after filling out that form)

You'll have to fill out the 4 forms they send you, get your signature notarized on 2 of the forms, copy of state ID or license, copy of SSN card or passport, $5 check for your share account, and $20 donation check for Allen County SPCA

Apparently WAMU and maybe BOA might have free notary service for customers so I'll find out tomorrow and get my signature notarized so that I can mail everything out tomorrow

I didn't have issues getting a notary at my local Chase branch. But then again I wasn't asking them to notarize a document for another bank.

Can someone who's gone through the online set-up of this account, post the steps for setting up CU anywhere access?

Do they send you the access code, and then a password? Can you set up access with only an access code and account number?

Thanks.

I am a newbie of FW,and I have two problems during my application:

I just made $25 online donation from the website of ACSPCA by paypal,then I received an email from papal as a reciept of donation.but there is no membership ID infomation in the email.the content of the email is like follows:
Dear XXXX

This email confirms that you have paid donation@acspca.org (donation@acspca.org) $26.06 USD using PayPal.

This credit card transaction will appear on your bill as "PAYPAL *DONATION".

--------------------------------------------------------------------------------

PayPal Shopping Cart Contents

Item Name: Individual Membership
Item Options:
Renewal: New Membership

Item Number: mem001

Quantity: 1

Total: $25.00 USD

Cart Subtotal: $25.00 USD
Shipping: $1.06 USD
Sales Tax:
Cart Total: $26.06 USD

Transaction ID: xxxxxxxxxxxx
Item Price: $25.00 USD
Total: $26.06 USD
Buyer: xxxxxxxxxx

I wonder if I need to submit a $25 check to midwest cu again in the future if I can get the application forms from Midwest CU.may I just include a copy of the donation receipt
insdead of a $25 check in the applicaiton package and mail then out to the CU?
I just visited the online application website of Midwest American CU,but I do not know how to choose PREFERRED TRANSFER OF FUNDS .there are two choices,
1.Deposit - Minimum Opening Deposit $5 (at local office)
2.Transfer funds from an existing MidWest America account
there is not local branch in my area,and I do not have an existing Midwest cu account either.which one should I choose?

your answer will be highly appreciated!