This new product is called Vista CA$HBACK and allows you to earn up to 4% of your purchases made with your debit card in the form of cash placed back into your account. The balance in your account will determine the portion of your purchases eligible to receive the cash back award. But remember, even your balance of $.01 will receive a cash back amount as long as all qualifications are met on the account. For full details or to sign up for this product, visit your local branch or call us at 307-634-2197.¹

  Qualification Cycle End Dates

	May 27, 2011	June 29, 2011
July 28, 2011	August 30, 2011	September 29, 2011
October 28, 2011	November 29, 2011	December 29, 2011
January 30, 2012	February 28, 2012	Mar 29, 2012
April 27, 2012	May 29, 2012	June 28, 2012

 Click here for full detail!

Vista Choice Checking offers great national and local discounts, Identity Protection and ID Fraud Restoration. In addition, you have the ability to reduce or eliminate the monthly fee by doing things you probably already do.

How do the national and local discounts work?>

to enroll and take advantage of cash rebates, local discounts and grocery coupons. For on line purchases at national retailers, rebates are automatically deposited back into your checking account. For local discounts and grocery coupons, simply print the coupons to redeem in-store.

Is there a limit to the number of discounts I can use?

No. You enjoy as many of the discounts, coupons and on line rebates as you like.

Can anyone use www.anywhererewards.com to get the discount?

Only current Vista Choice Checking account holders are eligible to receive these discounts.

How do I access Identity Protection?

Visit www.myidguardonline.com to register and securely enter your personal information to be monitored. Your username is the last six digits of your Social Security Number, plus the first five digits of your zip code, separated by a dash. The password is the 8-digit date of birth for the primary account holder. Your information is monitored around the clock and you are immediately notified if anything unusual is detected.

How many cards can I have monitored?

You can register up to six debit and/or credit cards for protection.

What is ID Fraud Restoration and how does it work?

If you suspect your identity has been compromised, simply call 866-941-4586 toll-free to be connected with a fraud specialist. This dedicated expert provides hands-on assistance to restore your identity on your behalf.

What is the monthly fee for this account?

Vista Choice Checking has a $4.95 monthly fee. But you can reduce or eliminate the fee each statement cycle by making debit card purchases. You can also sign up for e-Statements to reduce your fee by $1.95.

How do I reduce or eliminate my fee?

Receiving e-Statements reduces your fee by $1.95 for each statement cycle. You can further reduce the fee by $0.10 for each qualified debit card point-of-sale purchase (excluding ATM transactions) that clears your account within the statement cycle, until the fee is eliminated.

Personalize your PIN
Trying to remember a Personal Identification Number that someone else picked for you is like letting your mom get you dressed. Yes, your mother may have good taste and be able to pick out styles that match your personality, but not everyone likes the same things as their mother. However, a computer that randomly generates a sequence of numbers is nowhere near your mother or your good taste. Did you know you can personalize your Personal Identification Number?
Its really quite simple. Call us at 1-800-634-2197 and request a new pin mailer. Once the mailer arrives follow the detailed instructions on setting up your New Personal Identification Number. So let us help make your account match you right down to the Personal Identification Number you choose!

WVFCU "e-Account"

Want to use ATM's for withdrawals and shop with a VISA that is not a credit card? Then the WVFCU e-Account is for you!

It's not a credit card, and it's not a checking account - it's an e-Account!

* Open a new e-Account
* Use the VISA card like a check
* Funds come directly from your e-Account
* Works at any ATM with a PIN
* Use for purchases or transactions requiring a signature or PIN
* Direct Deposit and Payroll Deduction available for your convenience
* NO line-of-credit required

Call a Member Service Representative for details or click Debit Card Application to apply on-line.

Direct Deposit
With direct deposit, you don't have to wait in line on pay day to deposit your check. It's a safe, easy way to have your payroll or recurring checks deposited right into your savings or checking account, saving you time and money each month. Avoid having social security or payroll checks sit in your mail box when they could be deposited directly and safely into your account. Sign up for Direct Deposit now!

Overdraft Opt In
Debit cards are a convenience it's hard to imagine living without. Using your debit card makes it easier than ever to make purchases and payments, but it also makes it easier to overdraw a checking account and incur fees associated with overdraft protection services. As a result, federal lawmakers have created new rules governing overdraft protection programs that go into effect on July 1, 2010.

You now have an option concerning whether you want to continue to have our overdraft service cover your everyday debit card transactions. Please take note that this opt-in rule applies only to ATM and everyday debit card transactions and does not pertain to overdraft protection services associated with written checks or recurring debit transactions, such as regularly scheduled bill payments.

Why opt in?
Western Vista Federal Credit Union's overdraft protection is designed with your protection and convenience in mind. The vast majority of our members do not overdraw their accounts and incur fees, however life doesn't always go according to plan, and overdrafts do occur. Without overdraft protection, everyday debit card transactions may be declined if you attempt to make a transaction without sufficient funds

For existing accounts: If you do not opt in, beginning August 15, 2010, your debit card transactions will not be protected under Western Vista 's overdraft protection unless you opt in.

For new accounts: If you open a new account on or after July 1, 2010, your debit card transactions will not be protected under Western Vista FCU's overdraft protection unless you opt in.

How to opt in
Call 800-310-2197, or complete the opt-in form. You can drop it off at any of our branches; fax it to 307-633-2955 or return it by mail.

1 - * Earn cash back on debit card purchases and ATM fee refunds when the following qualifications are met: Make 12 debit card purchases of greater than $5, 1 posted direct deposit or ACH auto debit and enroll in eStatements. If you do not meet this qualification per qualification cycle, your account will be charged $4.95. Also it will not receive ATM fee refunds for that time period. There is no minimum balance required to earn cash back; however, there is a minimum of $100 to open the account. This product is available for personal accounts only and is limited to one account per tax identification number. ATM fee refunds are provided only if qualifications are met within qualification cycle. **ATM fee refunds up to $20 per statement cycle if qualifications are met.