Your Finances,
Simplified

A credit union is a member-owned financial cooperative. As a not-for-profit cooperative institution, a credit union uses excess earnings to offer members more affordable loans, a higher return on savings, lower fees or new products and services. A credit union is operated entirely by and for their members. Once you deposit money in a credit union, you become a member since your deposit represents your ownership share in the credit union.

Having your company become a Select Employee Group is easy! Just call us at [display-phone] and we’ll put you in touch with one of our branch managers.

To join the credit union, you must complete a membership application and make a deposit of at least $5, which must remain in your account as long as you are a member. This deposit represents your “share” of ownership in the credit union and provides access to all of our products and services.

NuMark Credit Union membership is open to people who live or work in a defined geographic area approved by our regulator which includes Northeastern Illinois and North West Indiana. NuMark membership is also open to employees of our 260 Select Employee Groups and to family members of our current members. See Map

In some ways, yes. That is, a credit union offers a wide variety of financial services comparable to a commercial bank. However, unlike other financial institutions, a credit union is owned and operated by its members who save and borrow there. There are no outside stockholders. Our board of directors is made up of unpaid volunteers who are elected from and by our membership. As a not-for-profit financial cooperative, earnings are returned to members in the form of rebates, dividends, lower loan rates, higher interest rates on deposits, and fewer fees.

Credit unions do pay taxes – payroll, sales, and property taxes. However, Congress exempts credit unions from federal income taxes. Credit unions are unique and different from other financial institutions, and we are a vital financial choice for over 100 million Americans and over 208 million members worldwide. For more information please click here.

Yes! Membership is open to all family members, including your spouse, children, parents, siblings and grandparents. Your family members can join us even if they live out of our geographic area.

You can make deposits in person, by mail, through an electronic ACH transaction, or automatically through direct deposit/payroll deduction. Each office location has a “Night Drop” box which allows you to drop off your deposit after-hours.

Yes — your money is safe! Credit Unions are strictly regulated financial institutions. Here at NuMark Credit Union your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, a U.S. Government Agency. NuMark Credit Union is the largest federally insured credit union in Will County.

If you work for a company that offers Payroll Deduction, you can have part of your check deposited automatically into your accounts. Some employers allow Direct Deposit, which deposits your entire paycheck directly into your NuMark Account on payday. In addition, Social Security, pension or any other recurring federal payments can be deposited directly into your account.

In most cases, you can contact your employer’s Payroll/Human Resources Department to sign up for either of these services. You will need your NuMark Account Number and NuMark’s routing number (#271985213). If they are unable to help you, please call us at 815-729-3211.

You are welcome to apply for a loan at any time.

No — when you join NuMark Credit Union, your membership is good for life, no matter where you live or work, as long as you maintain your accounts in good standing. With NuMark Internet Banking, Online Bill Pay, Visa Check Card, Direct Deposit and Audio Response, it is easy to access your account even if you move far away!

Yes, we do. Money Orders are available at any of our branch locations.

Yes, we do. This service is free of charge to our NuMark members and is available at any of our branch locations.

Yes, we do. Postage Stamps are available at any of our teller lines.

You can read our privacy statement here. Also, you can request to have a privacy statement mailed to you by calling us or mailing your request to NuMark Credit Union, PO Box 2729, 1654 Terry Drive, Joliet IL, 60436.

There are several ways to change your address.
1) Login to your online account on your computer or laptop and click the “Secure Forms” tab and select “Address Change” and complete all the information.
2) Stop into any NuMark Credit Union location and update your address in person.
3) You can submit your change of address request in writing. Make sure you sign your name three times. You can Fax to 815-773-6194 OR mail to NuMark Credit Union, PO Box 2729, Joliet, IL 60434.

Google Pay™ can be used at thousands of stores, restaurants and more. More merchants are being added daily. Look for icons below at checkout or visit Google Pay™ online to view current Google Pay™ participants.

All NuMark Credit Union Debit Cards and Credit Cards can be used with Google Pay™.

Apple Pay™ can be used at thousands of stores, restaurants and more. More merchants are being added daily. Look for icons below at checkout or visit Apple online to view current Apply Pay™ participants.

You can use Apple Pay™ with models as old as the iPhone6®and iPhone 6 Plus®, the Apple Watch™ and all newer iPhone/iPad models.

With Apple Pay™, instead of using your actual debit and credit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored. And when you make a purchase, the Device Account Number alongside a transaction-specific dynamic security code is used to process your payment. Your actual debit and credit card numbers are never shared by Apple with merchants or transmitted with payment. In addition, paying with Apple Pay™ is private as the cashier never sees your name, card numbers or security code.

All NuMark Credit Union Debit Cards and Credit Cards can be used with Apple Pay™.

Samsung Pay™ can be used at thousands of stores, restaurants and more. More merchants are being added daily. Look for icons below at checkout or visit Samsung Pay™ online to view current Samsung Pay™ participants.

All NuMark Credit Union Debit Cards and Credit Cards can be used with Samsung Pay™.

Google Pay™ can be used at thousands of stores, restaurants and more. More merchants are being added daily. Look for icons below at checkout or visit Google Pay™ online to view current Google Pay™ participants.

All NuMark Credit Union Debit Cards and Credit Cards can be used with Google Pay™.

Card Controls is a FREE service which allows you complete versatility and control over your debit card transactions.  Turn your card ON or OFF, block certain types of merchants, certain types of transactions and even set a spending limits.

Log into your NuMark Credit Union account online or with your mobile app.  Locate Card Controls under Additional Services for online, or from Menu on mobile app and then accept the Terms and Conditions. If you do not have Online or Mobile Banking account, you will need to do that before enabling Card Controls.  Call us at 815-729-3211 to get started.

The Alerts and Control Preference screen allows you to set your preferences for alert delivery. Turn the alerts ON and OFF to see the phone number and email address where alert notifications are delivered. Keep in mind the phone number and email addresses are pulled directly from your alert settings in Online Banking.

No, this service is FREE.  Please note that if you choose to receive text alerts through Card Controls, your carrier’s messaging and data rates may apply.

From the main screen in Card Controls, tap on the toggle switch to turn your Debit Card ON or OFF.

Card Controls changes are effective immediately, so you have complete control of your card.

If you have simply misplaced your debit card, the OFF feature allows you to temporarily stop any transaction on your card.  When you find your debit card just log back in and turn it back ON, and your card will be ready to make purchases again. If you can’t find your debit card, contact the branch at 815-729-3211 or after hours at 888-918-7868 and report your card lost/stolen to receive a new debit card.

Yes, on the main screen in Card Controls, select the Debit Card from a list of cards on your NuMark Credit Union account.

All ONE-TIME transactions are blocked when you set your card to OFF.  However, recurring payments will continue to process normally.

No, your recurring transactions will not be blocked.  They will continue to be processed even when your card is turned OFF.

Tap on Alerts and Controls Preferences and set your preferences by Merchant Type, Transaction Type and Spend Limits.  You may also restrict your card from International use in Location Type.

• All Transactions sends an alert for every transaction processed
• Blocked Transactions only sends an alert if a transaction is blocked. If no transactions are blocked no alerts will be sent
• Preferred Transactions allows selection of sub categories of what alert to receive

Yes, tap on Alerts and Controls Preferences and you can select blocks for specific spending categories such as Personal Care, Household, Restaurants, Travel, Entertainment, Age Restricted Department Stores, Gas Stations and Groceries.

Yes, if you have your Send Alerts setting set to Preferred Transactions, you will be able to block and unblock specific merchant types.

Yes, using the Transaction Type tab within the Alerts and Controls Preferences window, you can set blocks for specific types of transactions such as ATM, In-Store, Online, Mail/Phone order and Others.

Yes, in the Alerts and Controls Preferences window, you can toggle the block ON and OFF and set your own customized limit.  All transactions outside of the set threshold will be blocked.

The communication preferences associated with your NuMark Credit Union account apply to your Debit Card. To set your preferences, log in to your online or mobile account.
• From your online account, choose My Settings to review your contact information and security preferences
• From your mobile app, on the Menu, select More, choose Settings. Go to My Settings to set your security options

No, travel notifications cannot be submitted via Card Controls at this time.  Please contact us 815-729-3211 before you travel so your Debit Card is not flagged as fraud.

In Card Controls, turn OFF each alert in the individual menus for Merchant Type, Transaction Type, Spend Limits and Location Type.

No, not through Card Controls.  To add your NuMark credit card, access www.myaccountaccess.com and select Services for options.

• FHA Loan – Since 1934 the Federal Housing Administration (FHA) loans have been helping people become homeowners. Perfect for those buyers who are looking for lower down payment and low closing costs.
• VA Loan – is perfect for American Veterans or their surviving spouses to help finance a home with no down payment.
• USDA/Rural Development Loan – Guaranteed Rural Housing Loans offer no down payment for those with income that does not exceed 115% of the median area income.

• Effective January 1, 2002 , contributions up to $2,000 per taxable year to benefit a child under the age of 18 may be made by:
• Anyone filing a Single Tax Return with MAGI* up to $95,000
• Married couples filing a Joint Tax Return with MAGI* up to $190,000
• Those with higher MAGI* may be able to make smaller contributions

• Tax Free Withdrawals for certain qualified education expenses
• Qualified higher-education expenses” (tuition, fees, books, supplies, and equipment)
• Elementary and secondary school expenses and any computer technology or equipment that is used by the beneficiary and the beneficiary’s family during any of the years that the beneficiary is in school

• Withdrawals are tax-free and penalty-free only for qualified education expenses
• Funds can be withdrawn and rolled over into another Coverdell Education Savings Account of another family member under age 30

• All funds must be used by the time the child (beneficiary) reaches age 30

Your NuMark Debit Card will begin working between 3:00 AM and 6:00 AM on Monday, July 10^th. Your Pioneer State Bank debit card is no longer active, so you can properly destroy this card or bring it to a branch location for proper destruction.

If you have an active Pioneer State Bank debit card, your NuMark debit card will arrive sometime during the week of June 18^th or June 26^th.

Activate your NuMark debit card and set your PIN number upon receipt. Keep your NuMark Visa debit card safe until Monday, July 10, 2023, when your card is linked to your NuMark checking account.

If it is after the week of the June 26^th and you haven’t received your debit card, visit us on or after July 10^th and we will issue a new card for you on the spot.

Yes, Pioneer State Bank debit cards will be functional during this time.

Yes! On or after July 10th, register for mobile banking using the NuMark Credit Union Mobile App. Be sure to register for Card Controls so that you can receive real-time transaction alerts and have the ability to turn your card off if it is lost.

Any NuMark CU ATM, Allpoint ATM, or CO-OP ATM can be used without an ATM fee.

You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.

To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.

If available for your payee, your full bill statement will be delivered to your account. That means you can view all statement information, including transactions, payment history, credits, and more.

If full eBill details are not available for your payee, you will receive a summary eBill statement that includes balance due, due date and minimum payment amount.

With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill pay routine and have online access to your bills. That means you won’t have to keep track of paper bills. In addition, you can view past bill statements at a glance.

If a payee offers eBill, there will be a “Setup eBill” link next to their listing on your NuMark Bill Pay dashboard.

If you are receiving eBill summaries from your payee and full bill statements become available, you will see a button that reads “Setup eBill”

You may continue to receive paper statements for the next 2 or 3 billing cycles. Contact your payee for more details on their paper statement policy.

eBills are delivered directly to your NuMark Bill Pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

eBill is a feature that allows you to receive and pay electronic versions of paper bills directly from your NuMark Bill Pay account.

Plastic cards are convenient but both credit and debit cards are vulnerable to rip-off artists.

How thieves operate

When you learn how the identity thieves operate you will be able to protect yourself. Thieves use these techniques:

• Hacking – when you bank or shop on public Wi-Fi networks, hackers can use keylogging and software to capture everything you type, including your name, debit card or credit card information and PIN.
• Phishing – Be wary of messages of soliciting your account information. Emails can look like they’re from legitimate sources but actually be from scammers. If you click on an embedded link and enter your personal information, that data can go straight to criminals.
• Skimming – Identity thieves can retrieve account data from your card’s magnetic strip using a device called a skimmer, which they can stash in ATMS and store card readers. They can then use that data to produce counterfeit cards. The EMV chip cards are expected to eliminate this risk when the card is inserted and not swiped.
• Spying – Spying is still going strong. Criminals can plant cameras near ATMs or simply look over your shoulder as you take out your card and enter your PIN. They can also pretend to be good Samaritans, offering to help you remove a stuck card from an ATM slot.

Smart ways to protect yourself

Adopt these simple habits to greatly reduce your odds of falling victim to credit or debit card fraud.

• Be careful online – Shop and bank on a secure website with private Wi-Fi. Never shop or bank on public Wi-Fi. This will help prevent your data from being compromised.
• Monitor your accounts – Review your bank statement or online account and enroll for text or email alerts so you can catch debit card fraud attempts early.
• Don’t ignore data breach notifications – the majority of identity theft victims received warnings that their accounts might have been breached but did nothing. If you get notification that you have been involved in a breach, follow the steps recommended by the Federal Trade Commission.
• Inspect card readers and ATMs – Don’t use card slots that look dirty of show evidence of tampering, such as scratches, glue or debris. Pull on the card reader to make sure nothing is loose or attached to the machine. Also, steer clear of machines with strange instructions such as “Enter PIN twice.”
• Cover your card – When using your debit or credit card or typing your PIN at an ATM or merchant, block the view with your other hand. Go to a different location entirely if suspicious people are hanging around the ATM, and if your card gets stuck, notify the financial institution directly rather than accepting “help” from stranger.
• Use Mobile Payment Options – Using mobile payment options like Apple Pay™, Android Pay™ or Samsung Pay™ can add another layer of security when you pay. With mobile payments, instead of using your actual debit and credit card numbers when making a purchase, a unique device account number is assigned to your purchase. This prevents the cashier from seeing your name, card number or security code. Learn more about NuMark Credit Union mobile payment options.

Phishing Scams

Phishing is the act of sending fraudulent emails that seem to come from familiar businesses. These messages contain links to phony websites designed to steal personal information either directly or through malware and keyloggers. Often you’ll see a problem referenced with a request to click on the link provided to correct it. Once you’ve entered your information, ID thieves can access your accounts.

Vishing Scams

Vishing is the telephone version of phishing. Callers are sometime bold enough to suggest the victim call back to verify authenticity. But the vishers don’t actually hang up; instead they play a recorded dial town to make the victim believe he’s making a call.

Ways to protect yourself

• Install the latest editions of antispyware/antivirus, firewalls and browsers to all devices, and password-protect them. Furthermore, perform routine virus scans on your computer or laptop.
• Don’t open emails from unknown senders. Especially, don’t click on any links in unknown emails.
• Use strong passwords for all accounts and change them frequently.
• Don’t use public Wi-Fi networks for financial transactions.
• Turn off Bluetooth and near field communication when not in use.
• Never share sensitive information with unsolicited callers or email senders
• To verify calls, hang up for at least one minute to insure the first call is disconnected.

Staying informed and adopting smart fraud prevention practices will go a long way toward protecting your identity.

Being able to bank or shop online is a great convenience, but you want to be sure you’re protecting yourself before you hit “send.” Here are six steps you can take to protect yourself when online.

Do your online banking/shopping from home

• You’ve probably taken steps to secure your home network, so it makes sense to do most of your online activity there. Public computers are convenient, but be careful about entering passwords and sensitive account information when using these machines. Many will keep your login data in the web browser history, so after you leave, the next person who uses the computer might be able to see what you typed and access your account.

Use Visa SCR

• When shopping online consider using Visa SCR. It helps make the online purchasing process easy and more secure. Pay with a single login from any device and it protects your information behind multiple layers of security. Use it anywhere Visa SCR is accepted. Click here to learn more and to enroll.

Install Antivirus Software/Stay up-to-date

• Many antivirus companies will keep your anti-virus up-to-date, so luckily you don’t have to be a tech genius to stay secure against the latest threats. In addition to installing an antivirus program, the best protection is to install any updates for your operation system, web browsers, applications, and/or mobile devices. These updates typically include security patches to protect your devices!

Be smart with passwords

• Strong passwords include both upper- and lower-case letters, numbers and symbols, and they can’t easily be guessed. Security experts recommend that you change your passwords regularly — at least once every few months.

Don’t skimp on mobile security

• Sometimes you may need to shop or bank online while you’re on the go. When using smartphones, tablets and laptops, you can help protect your accounts by adding a password to lock your device screen. Also, install a “find your phone” tool to help locate your device if it’s misplaced. Many such tools give you the ability to disable your device remotely, in case it can’t be recovered.

Remember, “secure” starts with an “S”

• Before sending over account numbers or other sensitive information, check to see whether your browser address bar begins with “https” instead of “http”. The extra “S” literally stands for “secure,” because the page is encrypted. In addition to checking for the “S,” you can also look to see whether the webpage has a seal from such organizations as the Better Business Bureau, Truste or VeriSign, which means the site is more likely to be trustworthy.

Check your online account

• No matter if you use a credit or debit card, regularly check your statement or online account for any strange expenses. When you’re banking or shopping online, you don’t want to leave an open door for hackers. So it’s best to secure your accounts and your devices to protect your hard-earned money.

If you’re on your own laptop or mobile device but using public Wi-Fi to access the Internet, you could run into similar issues. You can’t be sure the network you’re on is secure, and if it’s not, a lurking hacker could see any information you send. When you use public Wi-Fi, consider updating the settings on your device to make sure you don’t automatically join networks you won’t use regularly.

ATMS are vulnerable to a scam called “skimming.” This is when thieves attach a device called a card “skimmer” over the card slot and steals your card information in one swipe. With this information, the scammer can create a counterfeit card and drain your account.

What to do if you’re a victim

If you suspect a skimming device has been installed on a NuMark Credit Union ATM, please contact us immediately at 815-729-3211. Contact your local police department to file a report. Monitor your accounts regularly, either by using our mobile app or online access. If you notice suspicious transactions, report them immediately.

Stay Protected

• Avoid standalone or unusual-looking ATMs; choose one in well-lit areas.
• Have your card ready and stand directly in front of the ATM. Leave once your transaction is complete.
• If you see something suspicious with an ATM keyboard or card slot, stop the transaction and notify the ATM owner immediately.
• Cover the keyboard with your hand as you enter your PIN and be aware of anyone standing too close.
• Notify the ATM owner immediately if your card is not returned from the machine.
• Report all suspected crimes to the ATM operator/owner and to local law enforcement officials.
• Don’t let other people use your cards or know your PIN – memorize the number instead of writing it down.
• While using a drive – thru ATM, keep your car doors locked, other windows closed and the engine running.

What do you do if your information has been compromised? Following these tips.

1. Call the affected Merchant/Company – If you think you’ve been hacked or a part of a data breach, contact the affected company. They can confirm that your information was part of the breach and they will offer protections such as free credit monitoring or identity theft protection for a limited time.
2. Call your Credit Union or Bank – If your personal or financial information has been compromised, contact the appropriate institutions as soon as possible. Credit Unions and banks can monitor and block any transactions that may be fraudulent. They may also be able to place a watch on your account for suspicious activity.
3. Get a copy of your Credit Report – Getting a copy of your credit report is free at annualcreditreport.com, and it gives you quick access to any accounts that are open or may have been opened in your name. You can also set up a free fraud alerts at one of the three major agencies – Experian, Equifax or Transunion. Fraud alerts last three months, and require any creditor to contact you by phone when a request to issue credit is made at their institution. You can also opt to freeze your credit to prevent anyone from opening a line of credit.
4. Scan and Update Your Computer – Perform an antivirus scan to ensure that there are no virus programs or malware on your computer. Also, make sure your computer, smart phone and/or tablet is running the latest version of its operating system and that applications are updated regularly.
5. Update Passwords – Change passwords on possibly affected accounts. If you use the same password at different sites consider changing or using a different password for each site. When choosing passwords, make them as complex as possible. Use a combination of letters, numbers and symbols when creating a password, and use different passwords for multiple sites.
6. Purchase Identity Theft Protection – As an alternative you can purchase identity theft protection. These programs watch your credit reports, bank accounts and other sites that may contain information about you. They are not an all-inclusive solution but they may help you recover things more quickly in the event of a breach

The most important thing to remember it to stay vigilant. No one is immune to hacking, but quickly responding to an incident can make the experiences less stressful and get thing back to normal more quickly.

We will come to your organization for free with all the necessary handouts. We do ask for volunteers to assist in working the different stations. They will receive a short training session before the fair begins.

We can do a small group presentation if needed, although we recommend the fair version. Periodically throughout the year we hold a Retirement Fair at one of our NuMark Credit Union locations. Click here for a listing of our Free Seminars.

The ideal location would be a large open room, or two smaller rooms. We could arrange to come to your location. We also hold this seminar at one of our credit union offices at least annually.

This is an opportunity to help people at your organization to make strategic plans for their retirement. What a great empowerment benefit to be able to offer!

On average a retirement fair lasts 1.5 to 2 hours.

The fair is applicable to people of all ages, not just those nearing retirement. It is designed to not only help people adequately save for retirement but it encourages people to plan for all lifestyle aspects of their retirement. If you are working you should be planning for retirement. Starting the savings process young will ensure a solid retirement lifestyle.

After a brief opening discussion, participants visit seven lifestyle booths. Each booth gives the participant the opportunity to ponder a series of questions and then make an assessment about how much they will most likely spend on that aspect of their retirement lifestyle. After visiting each booth they can determine how much money to save for their retirement to fulfill their lifestyle. During the wrap up we will give you tools to help make those calculations.

If you want to buy a home and have a steady income and good credit, NuMark Credit Union and the Federal Home Loan Bank of Chicago can help.

Through the Downpayment Plus^® Program*, up to $10,000 may be available to eligible homebuyers to use toward down payment and closing costs. Ask one of our loan officers today about Downpayment Plus Program to see if you are eligible.

Homebuyers must meet income eligibility requirements and:

• Contribute at least $1,000 to the purchase of the home
• Complete pre-purchase homebuyer education and counseling
• Live in the home as your primary residence

NuMark Credit Union is committed to helping our neighbors. We can help lower your borrowing costs if you qualify for the Downpayment Plus Program.

To Learn more about this program call us at 815-744-7497.

*Downpayment Plus is a program from the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago’s website at www.fhlbc.com for complete requirements. “Downpayment Plus” is a registered trademark of the Federal Home Loan Bank of Chicago.

• Fixed Rate – A great choice if you are planning to stay in your home for more than seven years. These mortgages offer a constant interest rate and monthly payment.
• Adjustable Rate Mortgages (ARM) – An ARM is an ideal choice if you are planning to live in your home for a short time or planning to refinance in the future. With these mortgage mortgages you can lock an interest rate for 3, 5 and 7 years.

A loan is considered jumbo if the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae and Freddie Mac — currently $806,500 for a single-family home in all states (except Hawaii and Alaska and a few federally designated high-cost markets, where the limit is $1,209,750).

Jumbo loans are available for primary residences, second or vacation homes and investment properties. These mortgages are available in a variety of terms including fixed-rate and adjustable-rate loans. A jumbo loan will typically have a higher interest rate, stricter underwriting rules and require a larger down payment than a standard mortgage.

All students receive a bag of M&Ms and will use that as their M&M paycheck. Students separate and organize their M&Ms by color. Each color represents a different budget item from which students can spend their money.

Once students have their budget completed, they will visit merchants to purchase clothing, munchies, electronics, entertainment, gifts and other wants and needs.

The M&M Budgeting activity takes approximately 1.5 hours depending on the number of students participating. Parts of this exercise can carry over into a Math class for further learning.

Yes, students can eat their M&Ms once they count and record their M&Ms. If students eat their M&Ms too soon, their paycheck value decreases.

• Teaches basic money management in a safe, fun setting
• Simulates everyday financial challenges and situations
• Introduces the next generation to the benefits of credit unions
• Helps you build relationships with schools, educators, and parents in your communities
• Free to the students

Teenage students take on the role of an adult in futuristic Bite of Reality. They are given jobs, income, a family, and debt. This is an app based program so a smartphone or tablet device are critical to participate. If smart devices are unable to be used, please contact us to see what the alternative would be to conduct this program with your group.

Each teen must visit merchants to select housing, transportation, food, housing, transportation, food, household necessities, clothing, day care and other wants and needs while building a budget. NuMark Credit Union has an office in Bite of Reality, too. Bite of Reality allows participants to make mistakes and suffer the consequences of their decisions in a realistic, but safe environment. Most participants are surprised to learn “I can’t have a big house and a new truck on my salary and still pay for day care and groceries.” Once the shock wears off, they reevaluate their choices and manage their money more effectively.

The app that the students will use for this program is called “Bite of Reality 2”. It can be downloaded from either the Apple App Store™ or Google Play Store™. Once downloaded, the participant will need a Sponsor and Event code that will be provided by the facilitator of the program on the day of the event.

Click here for app download instructions.

It does not cost anything. We will come to your school for free.

The Bite of Reality simulation takes approximately 1 – 1.5 hours depending on the number of students that participate. An ideal student size would be at least 40 students. Contact us for a more specific estimation.

We also offer a classroom simulation designed for a class of 25 students or less. This condensed version takes an 1-1.5 hours.

If the station version of the program is used, it is recommended that there are 10 volunteer adults to play the role of the various merchants. If this program was to take place in a classroom with a smaller group and the PowerPoint version was to be used on a projector, only 1-3 volunteers would be needed. It’s easy and fun to be a volunteer. We can quickly show volunteers how to be effective in their role in Bite of Reality.

For the merchant station version (a large group), the ideal location would be a large open room. If hosting at a school, the gymnasium would be the best location. For the PowerPoint version (smaller group) a classroom with a projector is the ideal location.

Online Bill Pay access ends at approximately 7:00 AM on Friday, June 30^th. Be sure to collect any information you need from the bill pay system during the month of June. Consider saving/printing payee information (account number, payment address, payment date), statements proof of payment or any other information you may wish to retain. Neither Pioneer State Bank nor NuMark will have access to this information after June 30^th.

Yes, Online Bill Pay access ends at approximately 7:00 AM on Friday, June 30^th. Be sure to collect any information you need from the bill pay system during the month of June. Consider saving/printing payee information (account number, payment address, payment date), statements proof of payment or any other information you may wish to retain. Neither Pioneer State Bank nor NuMark will have access to this information after June 30^th.

Consider saving/printing payee information (account number, payment address, payment date), statements proof of payment or any other information you may wish to retain. Online Bill Pay access ends at approximately 7:00 AM on Friday, June 30^th. Be sure to collect any information you need from the bill pay system during the month of June. Neither Pioneer State Bank nor NuMark will have access to this information after June 30^th.

No, Online Bill Pay access ends at approximately 7:00 AM on Friday, June 30^th. Be sure to collect any information you need from the bill pay system during the month of June. Neither Pioneer State Bank nor NuMark will have access to this information after June 30^th. Consider saving/printing payee information (account number, payment address, payment date), statements proof of payment or any other information you may wish to retain.

Payments scheduled through July 7th will be paid. Payments that are pending or scheduled after July 7th will be cancelled. Please be sure to schedule all your payments to be made prior to July 7th.

Payments that are pending or scheduled after July 7th will be cancelled. Please be sure to schedule all your payments to be made prior to July 7th.

Online and Mobile Banking will be taken offline the afternoon of July 7, 2023. Please print your account history, statements, recurring transfers, or any other information you wish to retain before July 7^th .

Traditional IRA
At age 73

Roth IRA
Not required

Traditional IRA

Withdraw penalty free without incurring 10% IRS premature-distribution penalty:

• Upon reaching age 59 1/2
• Qualified educational expenses
• First time home purchase (lifetime maximum of $10,000 per individual)
• Disability
• Catastrophic medical expenses
• Payment to beneficiaries upon the owner’s death
• Payment of health insurance premiums while unemployed for 12 weeks or longer
• Withdrawal of earnings and deductible contributions still results in taxable income.

Roth IRA

• Regular contributions can be withdrawn tax and penalty free anytime
• Earnings can be withdrawn penalty free for any of the following qualified reasons:
  • Age 59 1/2
  • Disability
  • Death
  • For first time home purchase (lifetime maximum of $10,000 per owner)
  • Education Expenses
  • Large medical expense and health insurance premium while unemployed

Traditional IRA

• A married person who is not an active participant in a retirement plan, but whose spouse is an active participant will be eligible for a fully deductible contribution to a Traditional IRA if MAGI* is under $150,000
• Earnings compound tax-deferred until withdrawn, usually out-earning taxable non-IRA investments. Earnings are then taxed when withdrawn, usually at a lower tax rate.
• Contributions may be tax deductible if certain requirements are met.

Roth IRA

• Regular contributions can be withdrawn tax and penalty free anytime
• Earnings are tax free if account is open for five years and withdrawn for one of the following qualified reasons:
  • Death
  • Disability
  • Age 59 1/2
  • First time home purchase
  • Not required to start withdrawals at age 73

Traditional IRA

• Anyone under age 73 for the entire tax year with earned income from compensation
• Maximum contributions $7,000 annually for tax year 2025
• “Catch-up” Contributions: Individuals age 50 and older who have earned compensation will be permitted to make additional “catch-up” contributions to Traditional and Roth IRAs. The maximum “catch-up” contribution is $1000 for tax year.

Roth IRA

• Anyone filing a Single Tax Return with MAGI* up to $150,000
• Married couples filing a Joint Tax Return with MAGI* up to $236,000
• Reduced contributions are allowed for up to $165,000 for single filers and up to $246,000 for joint filers
• May make contributions after age 73 but cannot exceed compensation
• Maximum contributions $7,000 for tax year 2025
• “Catch-up” Contributions: Individuals age 50 and older who have earned compensation will be permitted to make additional “catch-up” contributions to Traditional and Roth IRAs. The maximum “catch-up” contribution is $1000 for tax year.