News

October TruCrew Challenge – Terms & Conditions

Contest Period: October 1, 2025 – October 31, 2025.

Prize: Two winners will each receive a $50 VISA gift card.

Eligibility: Open to individuals who opt in to TruCrew text messaging. No purchase necessary. Contest is void where prohibited by law. Must be 18 years or older to enter.

How to Enter: Text "TRUCREW" to +1 (518) 201-1112 and opt in to TruCrew text messages. Each subscriber is automatically entered to win. Winners will be randomly selected and notified via text.

Third-Party Disclaimer: This contest is not affiliated with, endorsed, or sponsored by any third party, including VISA or Community.

Message Frequency & Rates

• Message frequency will vary.

• Msg & data rates may apply.

• Reply HELP for help, STOP to cancel at any time.

Zero Tolerance Policy

• Inappropriate, abusive, or illegal content is not tolerated.

Privacy & Data Use

• We will never request credit card or bank information via text.

• Your information will not be sold.

• Data may be used for marketing purposes through a third-party messaging tool.

• You may update or delete your information at any time by contacting us or following platform instructions.

Quiet Hours

• Messages will only be sent during regular business hours.

Community Messaging Platform

• Texting services are powered by Community, which enables secure and group messaging.

• All messaging complies with the Telephone Consumer Protection Act (TCPA).

• Your explicit consent is required to receive texts.

Subscriber & Compliance Requirements
By opting in, you confirm that:

• You are a recent subscriber.

• Your phone number can receive SMS messages.

• You opted in to receive SMS messages in a TCPA-compliant manner.

• You agree to receive recurring automated marketing messages.

• Consent is not a condition of purchase.

• Message/data rates may apply and frequency of messages may vary.

• You have been provided with “HELP for help” and “STOP to cancel” instructions.

Prohibited Content
You may not use this service to share or promote:

• Harassment, threats, hate speech, or violence.

• Sexual or obscene content.

• Illegal products or activity, including drugs, alcohol, or tobacco/vape promotions to underage individuals.

• Misinformation, election interference, or dangerous health claims.

• Spam, scams, or impersonation.

• Unauthorized sharing of private information or copyrighted material.
  Violations may result in your texting number being blocked and loss of texting privileges.

Legal & Liability

• Community is not liable for the content of messages sent or received through this platform.

• All state and federal laws apply.

Full Platform Terms: For the complete list of terms and conditions, please visit: https://www.community.com/terms

Questions? Message us on Facebook or email marketing@trunortherncu.org. Stay safe online and good luck! #TruCrewChallenge #TruNorthernCares

Important Update: Card Management System Upgrade – Action May Be Required Starting May 5

We’re upgrading our card management system on May 5, bringing you new features like enhanced spend tracking, better card controls, and an improved mobile experience — all designed to give you more clarity, more control, and greater peace of mind.

As part of this upgrade, debit cards with expiration dates prior to and including November 2025 will require a PIN update to continue working for PIN-based transactions. If your card is affected, you will need to call 800-992-3808 starting May 5^th to reset your PIN.

You can still use your card for PIN-less transactions at point-of-sale (POS) systems without interruption.

Affected cardholders can begin calling to update their PIN on May 5.

Please watch for further updates, and thank you for your attention to this important change.

When uploading a signed check through our mobile app, please remember to properly endorse the check and also include either:

·         Writing “for mobile deposit only” on the check

·         Checking the mobile deposit box

Without properly endorsing the check, our team is unable to process the check, resulting in a declined deposit. Mobile deposits cannot exceed $2,500.00. 

Program #1: Busy Bee Accounts (Ages 0-12) – “Hive in Five” & “Ten for Ten”

Terms and Conditions:
Eligibility: The Busy Bee rewards program is open to primary account holders of a TruNorthern FCU Busy Bee Account, ages 0-12.
Earning Stamps: The primary account holder must be physically present and make a deposit into their Busy Bee Account at a TruNorthern FCU branch to receive a stamp on their Rewards Card (“Card”).
Prizes:

• After five (5) stamps, the primary account holder may choose a prize from “The Hive.”
• After ten (10) stamps, TruNorthern FCU will deposit $10 directly into the Busy Bee Account.

Deposit Requirements: Only in-person deposits at a TruNorthern FCU branch qualify for earning stamps. Electronic transfers, direct deposits, and mobile deposits do not qualify.
Non-Transferable: Rewards, including stamps and prizes, are non-transferable and may only be redeemed by the primary account holder.
Program Changes: TruNorthern FCU reserves the right to modify, suspend, or terminate the Busy Bee rewards program at any time without prior notice.
Lost Cards: TruNorthern FCU is not responsible for lost or damaged Rewards Cards. Stamps cannot be replaced if lost.
Participation: By participating in this program, the account holder and their parent/guardian acknowledge and agree to these terms and conditions. For any questions or additional details, please visit your nearest TruNorthern FCU branch or contact us directly.

Program #2: Hive Accounts (Ages 13-17) – “The Hive Challenge”

Terms and Conditions:
Eligibility: The Hive Challenge is open to primary account holders of a TruNorthern FCU Hive Account, ages 13-17.
Qualification Requirements:

• To earn the $10 reward, the account holder must:
• Deposit a minimum of $100 into their Hive Account upon account opening.
• Complete four (4) transactions within the same 30-day period.

Redemption: The account holder must visit a TruNorthern FCU branch in person to redeem the $10 reward.
One-Time Reward: The $10 reward is a one-time incentive and cannot be earned multiple times.
Non-Transferable: The reward is non-transferable and may only be deposited into the Hive Account of the qualifying account holder.
Program Changes: TruNorthern FCU reserves the right to modify, suspend, or terminate the Hive Challenge program at any time without prior notice.
Account Standing: The account must be in good standing at the time of reward redemption. Overdrawn or inactive accounts may be disqualified.
Participation: By participating in this program, the account holder and their parent/guardian acknowledge and agree to these terms and conditions. For any questions or additional details, please visit your nearest TruNorthern FCU branch or contact us directly.