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Important information about SCCU's core processing system upgrades

This is a very exciting time for Superior Choice Credit Union! For several months, our employees have been working hard to implement several big technology changes to our core processing system that will benefit your credit union. These changes will greatly improve your experience with SCCU, but we want to let you know that some services will be temporarily unavailable during the conversion period of December 6-9, 2019 as we finalize our upgrades.

This will be the dedicated web page where Superior Choice Credit Union members can learn more information as the upgrades unfold. Below you will find extensive information on how our system upgrades will affect a variety of services. It's important that our members review the information below, as well as pay close attention to correspondence we send to our members via email and mail.

After you carefully review the information below, be sure to take our online core conversion and system upgrades quiz for a chance to win a YETI Tundra® 45 cooler! Click here to take the short online quiz. A winner will be randomly selected on Friday, December 13 at 12 p.m. Central Time from those who complete the online quiz.

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Service Availability and Important Dates

 
Service Availability During Core Conversion and Software Upgrades
 DECEMBER 6DECEMBER 7DECEMBER 8DECEMBER 9DECEMBER 10
ALL BRANCHES Open until 4 p.m. Closed Closed Closed Open
CALL CENTER Available until 4 p.m. Not Available Not Available Not Available Available
ONLINE BANKING Available until 4 p.m. Not Available Not Available Available Available
MOBILE BANKING WITH REMOTE CHECK DEPOSIT Available until 4 p.m. Not Available Not Available Available Available
ONLINE BILL PAY Available until 4 p.m. Not Available Not Available Available Available
MOBLIE TEXT BANKING Available until 4 p.m. Not Available Not Available Available Available
ATMS Available Available Available Available Available
DEBIT CARD PURCHASES Available Available Available Available Available
CREDIT CARD PURCHASES Available Available Available Available Available
CHECKS Available Available Available Available Available
NIGHT DEPOSIT Night deposits made during core conversion weekend will be posted Monday, December 9, 2019.
SHARED BRANCHING SERVICES AT OTHER CREDIT UNIONS Available until 4 p.m. Not Available Not Available Available Available

 

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Tips to prepare for the system upgrades

Be prepared!

  • Know your account balance before 4 p.m. on December 6. You will not be able to check your real-time balance throughout the conversion weekend.
  • It’s Me 247 Online Banking bill pay users: Document your online bill pay payees prior to the conversion date. You’ll need to upload your payee information on the new bill pay platform after December 9.
  • Mark the upgrade dates on your calendar
  • Plan ahead for any special needs
  • Take care of any special transactions before the conversion begins (loans, new accounts, account changes, etc.)
  • Keep enough cash on hand
  • Share this information with joint account holders
  • Make sure we have your up-to-date contact information prior to the conversion date
  • View the online banking and mobile app tutorial videos and user guides to prepare yourself for the new platforms

Top Five Things to Remember:

  1. Your account information is always safe and secure
  2. Your checks, debit card, and credit card will still work during the conversion weekend
  3. All branches, phones, and online/mobile systems will be closed starting at 4 p.m. on December 6 through 8 a.m. on December 10
  4. Online banking usernames that are 15 characters or less and do not contain any special characters will not change. Your password will reset to the last four digits of your social security number.
  5. After December 9, there will be a new online banking platform and mobile app with remote check deposit

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Account and Member Numbers

You’ve always been more than a number to us, but we understand that your member number is important to you. There will be some slight changes to our numbering system after the system upgrades are made.

Your member number is one number that identifies you as a member-owner of SCCU. You use your member number when visiting a branch, calling our call center, or when applying for new products online.

Your account number is one unique number for each product you have with SCCU. For example, your auto loan, checking account, and savings account would each have a unique account number. Your account number is used for setting up direct deposit and automatic payments. You'll also use your account numbers when enrolling in online banking.

FAQ

Q: Will I need to update my direct deposit(s) or automatic payments?
A: No. We have set up your existing direct deposits and automatic payments to be routed properly after the upgrade. When establishing new automatic payments or direct deposits after the conversion period, you should use your new account number(s).

Q: What if I have multiple primary account memberships?
A: All your primary account relationships will be consolidated under a single member number. We will now only allow one member number per social security number. The account with the lowest number will now be your member number, as shown in the example below.

Membership #1  Membership #2  Membership #3  Single Member Number After Conversion 
 123456  56462  4256  4256

Q: How is my member number different from my account number? 
A: You will only have one member number. You may have multiple account numbers because you have a unique account number for each product you have with SCCU (auto loan, checking account, etc.). Your account number is used for direct deposits, automatic payments, transfers, online banking enrollment, and any other transaction-related activity.

Q: Will SCCU’s routing number change?
A: No, SCCU’s routing number will remain 291880916.

Q: What will happen with the Dairyland State Bank routing number?
A: Members should be using the Superior Choice Credit Union routing number (see above). However, we have special programming in place to route checks and other items using the old Dairyland State Bank routing number so that items will clear properly. With that said, members should be using the SCCU routing number 291880916 on any new check orders or when making wire transfer requests.

Q: How will I know what my account numbers are?
A: After the conversion period, you may view your account numbers by logging in to online banking. In the new online banking platform, click the “Account Services” tab, and then click “Account Management” on the Account Services page menu to see your listing of account numbers. You may also request these numbers as they are needed by visiting a branch or calling us at 1-800-569-4167.

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Cards and Checks

Debit and HSA Debit Cards

For the majority of SCCU members, debit and HSA cards will not change. You may continue to use your existing debit card during and after the upgrade period.

Former Dairyland State Bank customers who have a debit card that was issued by Dairyland State Bank or have card numbers starting with the digits 4891 53 or 4440 72  will be receiving new debit cards. These debit cards must be activated by December 6, 2019.You can activate your new card as soon as you’d like, but you may not use your new card to make purchases until Friday, December 6, 2019. 

The last day to use your old card will be Thursday, December 5, 2019. Your old card will no longer work after this date! You may destroy your old card after you’ve activated and started using your new card starting Friday, December 6.

Those who are receiving new debit cards will receive details and instructions via mailed correspondence. Your card will have a new number, expiration date, and CVV code. You will also need to set a new PIN when activating your card. 

Click here for more information about receiving a new debit card.

Checks

Your checks will not be affected by our system upgrades. You may continue to use them as normal during and after the upgrades. There is no need to reorder new checks after the conversion period unless you have run out or need checks with updated personal information.

Credit Cards

Credit cards will continue to work as usual during the December 6-9, 2019 conversion period and software upgrades. Please note: members who opened a Superior Choice Credit Union credit card prior to October 2018 will be receiving a new credit card to be activated prior to November 1, 2019. Those who will receive a new credit card have received mailed correspondence with more details.

FAQ

Q: Can I use my debit or ATM card to make a withdrawal from an ATM during the upgrade period?
A: Yes – you may continue to use your card to make withdrawals from ATMs, however the amount of cash you may withdraw may be limited.

Q: Will I be able to make ATM deposits with my debit or ATM card?
A: Yes, you may make ATM deposits during the conversion weekend. However, deposits will not be posted to your account until Tuesday, December 10 or later.

Q: Will I be able to check my account balances on an ATM?
A: Balance information that is displayed on ATMs or ATM receipts will not be available or may be inaccurate during the conversion period. It is important that you check your balance prior to the upgrade period and keep track of your spending and withdrawals in order to avoid overdrafts. Balances should be updated and accurately displayed again after December 9, 2019.

Q: Who should I contact if I have a lost or stolen card during the conversion weekend?
A: To report a lost or stolen debit card, please contact our processor directly at 1-866-553-2917. To report a lost or stolen credit card, please contact our processor directly at 1-800-528-2273.

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Online Banking

Part of the core processing system conversion and software upgrades includes a new and improved online banking experience for our members! Our new online banking platform will offer you the same great features you’ve become accustomed to, but with more user-friendly perks. Online banking services include up-to-date account balances, online transfers, online bill pay, online account opening, and more.

New with this upgrade — our small business and organizational members will have a specific online banking service tailored to their business needs. Members who fall under our commercial department will be able to have multiple online banking users with different levels of access, advanced reports, and more.

To implement our new online banking platform, current online banking services will be unavailable during the core conversion process December 6-9, 2019. Below is important information for our current online banking users to review.

Usernames and Passwords

If your current username is 15 characters or less and does not include any special characters, your username will transfer to our new online banking system. Passwords will not be transferred. After the new online banking system launches December 9, 2019, you will use the last four digits of your Social Security or tax ID number as a temporary password.

For members with multiple primary memberships with online banking usernames, all your online banking accounts will be consolidated into a single login. After consolidating usernames, you’ll use the oldest established online banking username. With this single login, you’ll be able to view all your SCCU accounts that are associated with your Social Security or tax ID number. This includes secondary accounts as well. Anyone with your online banking login information will have access to see these accounts.

Before the Upgrades

Our current online banking systems will be available until around 4 p.m. CST on Friday, December 6, 2019. After that time, online and mobile banking will be unavailable until the new platform is launched on December 9, 2019. We suggest logging in prior to the upgrade period to check balances, document any payees (if you’re an It’s Me 247 Online Banking bill pay user),

After the Upgrades

It is expected that on December 9, 2019 our new online banking system will be available. You may log in with your existing username. Your temporary password will be the last four digits of your Social Security or tax ID number. Upon successful login, you will be prompted to set a new password. You will be prompted to update your contact preferences.

If you are using any third-party services that are connected to your SCCU online banking account, such as personal budgeting websites, you’ll need to re-establish a connection with your SCCU online banking account using the third-party service.

Members who were using online bill pay services on the It’s Me 247 Online Banking platform will need to re-enroll in bill pay and input payees and payment information. Any bill payments that were originally scheduled for after December 6, 2019 will need to be set up again. Payee information and scheduled payments will not transfer to the new system.

Be sure to download the new mobile app. The current version of our mobile app will no longer work after December 6, 2019. It's important that after December 6, 2019 you delete and uninstall the old SCCU mobile app from your device as it will no longer work. The new mobile app may be found by searching for “Superior Choice Credit Union” in the iTunes store for Apple Devices or Google Play store for Android devices. Our new app is called “Superior Choice Credit Union Mobile.” We will also have direct links to download our free mobile app at www.superiorchoice.com. Your login information for the mobile app is the same username and password that you’ll use to log in to online banking.

Mobile banking will not work until you have logged into the new online banking platform and set a permanent password. Once you've done that, you may log into the new mobile app using the same online banking credentials.

Resources

Check back soon for our online banking tutorial videos. Watch these videos to familiarize yourself with the new online banking platform that will debut on December 9, 2018. You may also click here for an online banking user guide. Our business members can click here for the business online banking userguide.

New Features

Popmoney

Popmoney is our new person-to-person payment solution. Conveniently send, receive and request money with an email address, mobile phone number, or account number, eliminating the need for checks and cash.

Instant Open

Open new accounts and services anytime, anywhere with our new Instant Open online account opening platform. This easy-to-use online application will guide you through the account opening process with ease. Started an application but don’t have time to complete it? You can always come back to finish your online application process.

Business-friendly upgrades

Our new online banking platform will offer several new features for members who have a business/organizational membership. Our new platform will offer these members maximum control over their cash management functions, including real-time account access and transaction initiation, multi-user access, entitlements and transaction controls, and reliable risk management.

Within the new online banking platform, small business members will have online bill pay services tailored to business needs. Features of online bill pay for business include multi-tiered authority levels, audit trails, and accounts payable invoicing to pay multiple invoices and include details with payments.

FAQ

Q: How will I log in to the new online banking system?
A: The login process will be very similar to how it works today. Visit www.superiorchoice.com to access the online banking login portal. You will use your existing online banking username to log in to the new system. Your password will be reset to the last four digits of your social security number or tax ID number for your initial login on the new system. After your first login, you will be prompted to set a new password.

Q: What if I currently have multiple primary memberships and online banking usernames?
A: If you have more than one primary membership with online banking access, you will use the login information associated with your oldest-established membership. When you log in to online banking, you will see ALL the accounts associated with your member number — this includes joint accounts. Be aware that anyone signing in to the account with your online banking username and password will be able to view all the accounts at SCCU associated with your social security number.

Q: Will I be able to view my account history and eStatements in the new online banking system?
90 days of account history and check images will be available in the new online banking system after the upgrade period. You will also be able to see the past 18 months of eStatements. After the new online banking system launches December 9, it may take some time for transaction history, eStatements, and check images to load. Please be patient. After the initial launch of the new online banking system, up to two years of transaction history will be stored for viewing within online banking.

Q: How can I learn more about the new online banking system?
A: Click here to view online banking tutorial videos. Watch these videos to familiarize yourself with the new online banking platform that will debut on December 9, 2018. You may also click here for an online banking user guide. For a user guide detailing the SCCU online banking platform for businesses, click here.

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Mobile App

With our online banking system upgrade, our mobile app will also be updated on December 9, 2019. You’ll use the same login for our mobile app as you use for online banking on a desktop computer. Our free mobile app will continue to offer remote check deposit services, account transfers, mobile bill pay, and more. 

It's important that after December 6, 2019 you delete and uninstall the old SCCU mobile app from your device as it will no longer work. You'll need to download the new SCCU app to your device after the December 6-9, 2019 upgrade period. Mobile banking will not work until you have logged into the new online banking platform and set a permanent password. Once you've done that, they can log into the new mobile app using the same online banking credentials.

FAQ

Q: How to I download the newest version of the mobile app?
A: You will be able to download the new app from the Google Play store for Android devices, or from iTunes for Apple devices. Stay tuned to this web page for links to download the new mobile app once it is published and available for download.

Q: Will I still be able to use remote check deposit?
A: Yes, our new mobile app will feature remote check deposit so that you may easily deposit checks using your device's camera. The same deposit limits will apply, and the feature will work nearly the same way as it does on our current mobile app. You will have to accept a user agreement and be approved for remote check deposit prior to using this feature.

Q: How do I log in to the new mobile app?
A: After you've logged into the new online banking platform and set a permanent password, you'll be able to use your online banking credentials to log in to our new mobile app. To learn more about logging in to the new online banking platform, click here to review the information regarding upgrades to our online banking platform.

Q: Where can I learn more about the new mobile app?
A: Check back soon for our mobile app tutorial videos.

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Online Bill Pay

Our online bill pay services, available from within online banking, will also be updated during the conversion process. Bill pay services will be accessible from within online banking and will not require an additional username and password. Our new bill pay services will include person-to-person payments, automatic payment scheduling, and more.

It’s important to note that members who are currently using It’s Me 247 Online Banking bill pay services will have to re-enroll in bill pay services after the conversion period. This means that members will be required to set up their payees, payments, and other information on the new bill pay platform after the conversion period is complete. Payees, payment history, account information, and any other information associated with It's Me 247 bill pay services will not be converted. We highly recommend documenting your current payee information to ensure an easier setup process on the new system. 

Most members who are using the online banking system and bill pay services from the former Dairyland State Bank system will see that their bill pay information is converted over to the new system.

FAQ

Q: How will bill pay payments be processed on the new platform?
A: When scheduling a payment, you will choose the date you want the payee to receive the payment. Funds are deducted from your account after the payee receives the funds and presents a clearing request to the credit union. If a payee accepts electronic payments, it is likely the funds will be deducted from your account faster than a payee who only accepts paper check payments. Expect all payments to clear on the scheduled pay date, just like when you’re writing a paper check from your checkbook.

Q: I currently use It's Me 247 online bill pay services. How can I document my payee information prior to the conversion?
A: We have set up a handy worksheet for documenting your payee information. Document your payees prior to December 6, 2019 when our online banking system will be down for the conversion. Click here for a printable payee documentation worksheet.

Q: Where can I learn more about the new bill pay platform?
A: Check back soon for online bill pay tutorial videos to learn more.

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Text Banking

Current text banking users will need to re-enroll in text banking after our core conversion and system upgrades are complete. To enroll in text banking, follow the steps below:

  1. Log in to the new online banking platform. You may use your current online banking username. For your first login, your password will be the last four digits of your Social Security number or tax ID. You'll be prompted to set a password and update your contact information.
  2. Once you are logged in, click the Account Services tab.
  3. On the Account Services page, click Requests in the menu on the left side of the page.
  4. On the Requests page, click the Mobile Banking Enrollment link.
  5. Read the displayed Terms and Conditions. Click Accept to continue.
  6. Select the services you would like to enroll in. 
  7. Follow the on-screen instructions to complete your account selection and configuration.
  8. Eventually, you will enter your mobile phone number to receive a text message with an activation code. Enter the activation code to activate your device.

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Statements

Your statements will reflect an updated look starting with your December 2019 statement (which is mailed or available as an eStatement in early January 2020). New statements are mailed or available via eStatements on a monthly basis. Printed statements are mailed out within three business days after the close of business each month. eStatements are available for viewing within online banking within one business day after the close of business each month. Members who currently receive statements throughout the month will be on a once-monthly statement schedule after the conversion period.

Starting with November 2019 statements, credit card statements will be mailed separately from member statements. Credit card statements may also be viewed online through the Superior Choice Credit Union Credit Card Services online portal.

Q: I have multiple membership accounts. How will I receive my statements?
A: As mentioned in the account number section, members will only have one primary member account per Social Security or tax ID number after the conversion takes place. All your accounts, except for credit cards, will be reported on a single membership statement. For more information about how we’re consolidating multiple membership accounts, please click here to see the “Accounts and Member Numbers” section of this web page.

Q: What will the new statements look like?
A: Click here to see a sample of our new statement format.

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Loans

The upgrades we are making will not impact your existing loan terms. We anticipate that members who have scheduled automatic loan payments will not see any interruption to their payment schedule.

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Product Changes

Part of our core system conversion and upgrades include migrating products that were formerly offered by Dairyland State Bank (acquired by Superior Choice Credit Union in September 2018) on to one cohesive core processing system. Our members who opened checking and savings accounts with the former Dairyland State Bank may see some changes to their products. These members will be notified via mail with additional information, terms, and conditions about their converted checking and savings accounts.

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Item Processing

We do not anticipate any interruption or required changes to current direct deposits such as pay checks, Social Security, and government checks or automatic debits such as pre-authorized loan payments and payroll deductions. While we don’t anticipate any changes to deposits and automatic transfers, it’s important for you to check your accounts before and after the conversion period.

  • In the current system, document your recurring and scheduled transfers and loan payments. Do this prior to the conversion period starting December 6.
  • After the upgrade, verify all your previously scheduled transfer and payment items.
    • Re-establish your transfers if necessary.
    • Re-establish access to your related accounts if necessary

Remember, bill payments scheduled for after the conversion period using our It’s Me 247 Online Banking system will not transfer to the new online bill pay system! Click here for more information.

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Business/Commercial Members

We’re rolling out several new features for our commercial members with our systems upgrades. The most notable changes will come with our online banking and online bill pay systems, helping small business owners and organizations save time and money.

Our new online banking platform will offer several new features for members who have a commercial/organizational membership. Our new platform will offer our business and organizational members maximum control over their cash management functions, including real-time account access and transaction initiation, multi-user access, entitlements and transaction controls, and reliable risk management.

Within the new online banking platform, small business members will have online bill pay services tailored to business needs. Features of online bill pay for business include:

  • A one-stop bill pay dashboard
  • Industry leading e-bills, connecting businesses to hundreds of billers
  • Automatic payment options
  • Small business owners can delegate tasks while maintaining control over their accounts with multi-tiered authority levels
  • Audit trails show all bill payment actions taken by authorized users
  • Accounts payable invoicing to pay multiple invoices and include details with their payment

We are excited to make Superior Choice Credit Union even more business friendly with these new online capabilities!

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General FAQ

Q: When are the system upgrades taking place?
A: Our system upgrades will start on Friday, December 6 at 4 p.m. At that time, all branches will close, online and mobile banking will go down, and our call center will be unavailable. All branches will remain closed Saturday, December 7 through Monday, December 9 while we make the system upgrades. Branches will open for normal business hours on Tuesday, December 10. Online and mobile banking will resume by Tuesday, December 10 but may be available even earlier than that date. Click here for a complete schedule of service availability.

Q: How will I access my funds during the upgrade period?
A: You may continue to use your debit, HSA, and credit cards. In addition, you may continue to use paper checks. You may withdraw cash from ATMs, but beware that balances may not be available or may be inaccurate. It's important to check your balance before the upgrades begin on Friday, December 6 at 4 p.m. and keep track of your spending and withdrawals throughout the weekend to prevent overdrafts.

Q: Will I be able to use shared branching at another credit union during the upgrade period?
A: No — because our system will be down, other credit unions in the shared branching network will not have access to your accounts to make transactions. We expect that shared branching services will resume by Tuesday, December 10.

Q: Will your website be changing?
A: No, our website will still be available at www.superiorchoice.com, though the online banking links/login box on our website will be updated during the upgrade process to accommodate our new online banking platform.

Q: What if I have a lost or stolen credit card and need to contact the credit union while you are closed for upgrades?
A: Please see our after-hours contact page for the appropriate phone numbers to contact our card processors directly.

Q: When will I be able to call the call center for help?
A: Our call center services should become available in the late afternoon on Monday, December 9 or by the morning of Tuesday, December 10. However, we anticipate there will be high call volumes and longer-than-usual hold times for several days after the conversion and upgrade period. We ask that you please carefully review all the information on this page in an attempt to answer your question before you call us at 1-800-569-4167. It is an especially great idea to review and study the online banking information, as we anticipate that will be one of the main upgrades that our members will need to learn and get comfortable with. Click here for online banking information and links to online banking tutorials.

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Test Your Conversion Knowledge with our Online Quiz

Test your core conversion knowledge! After reading through the information available on this page, take our short quiz for a chance to win a YETI Tundra® 45 cooler, valued at $299.99! A winner will be randomly selected on Friday, December 13, 2019, at 12 p.m. Central Time from those who complete this online quiz. You must complete all the questions to submit your quiz. Click here to take the short online quiz.

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Contest Rules

NO PURCHASE NECESSARY. OPEN TO MEMBERS OF SUPERIOR CHOICE CREDIT UNION, AGE 18 AND OVER. ENTRY: To enter our contest, complete the online quiz at www.superiorchoice.com/conversion. Alternate entry option: Send a letter/note with your name, birthdate, email address, phone number, mailing address, and preferred credit union branch to Superior Choice Credit Union, Marketing Department, PO Box 127, Superior, WI 54880. All entries must be received before Friday, December 13, 2019 at 12 p.m. Central Standard Time to be eligible to win a prize. Only one complete entry per person per household sharing the same email address is eligible. Superior Choice Credit Union (SCCU) is not responsible for failure to receive entries due to transmission failures and/or other conditions beyond its reasonable control.

ELIGIBILITY: You must be eighteen or over to enter and win, and a current Superior Choice Credit Union member. Employees, board members, and their immediate families of Superior Choice Credit Union are not eligible. Only one prize per household, email or street address will be awarded. By entering, entrants agree to be bound by these Official Rules, and agree to release the Sponsors and Administrators from any and all liability for injuries, losses or damages of any kind resulting from participation in this drawing.

GENERAL CONDITIONS: Void where prohibited. Illegible, unintelligible or incomplete entries or responses will be disqualified. SCCU, Sponsors and Administrators are not responsible for any lost, misdirected, stolen or undelivered entries. SCCU, Sponsors and Administrators are not responsible for technical, network, electronic, computer, hardware or software failures of any kind, including any injury or damage to entrant's or any other person's computer related to or resulting from participating in or downloading any materials in the on-line giveaway SCCU, Sponsors and Administrators are not responsible for incomplete, garbled or delayed internet/email computer entries. In the event that technical or other circumstances compromise this drawing, SCCU reserves the right to cancel the contest, and select winners for prizes from all eligible entries received prior to the cancellation. SCCU, Sponsors and Administrators are not responsible for typographical errors in the contest site or these rules. SCCU reserves the right to share entry information with Sponsors and Administrators.

RELEASE OF LIABILITY: By participating, you release SCCU, and their respective subsidiaries, affiliates, partners, employees, directors, agents, advertising agencies and all other associated with the development and execution of this Sweepstakes from and against any and all injury, loss or damage caused or claimed to be caused by your participation in the Sweepstakes and/or the acceptance, awarding, receipt, use and/or misuse of the prize, and you agree that these entities are not responsible for any warranty, representation or guarantee, expressed or implied, in fact or in law, relating to the promotion and/or the awarding of any prize. By entering, you further agree that (i) any and all disputes, claims and causes of action arising out of or in connection with the Sweepstakes, or any prizes awarded shall be resolved individually without resort to any form of class action; (ii) any claims, judgments, and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering the sweepstakes, but in no event attorney’s fees; and (iii) under no circumstances will any entrant be permitted to obtain any reward for, and entrant hereby waives all rights to claim, punitive, incidental or consequential damages and any and all rights to have damages multiplied or otherwise increased and any other damages, other than damages for actual out-of-pocket expenses.

WINNER SELECTION: The prizewinner will be selected through a random drawing of all eligible entries. The drawing will be conducted and judged by SCCU, whose decisions and interpretations of these Official Rules shall apply and be final. Winners will be notified by email after the entry period ends on Friday, December 13 at 12 p.m. Central Standard Time. If winners do not respond by the time indicated in the award email, SCCU reserves the right to randomly select an alternate winner from the names of all entries that did not win a prize. In order to receive a prize, winners may be required to sign an Affidavit of Eligibility and Liability/Publicity Release, and any additional information, waivers and releases that may be required. Winners will have ten (10) days to execute and return the Affidavit of Eligibility and/or Liability/Publicity Release, releasing SCCU, Sponsors and Administrators from any claims, losses, injuries or damages of any kind resulting from participation in the contest or the use or receipt of any prizes. Failure to comply with the foregoing, or the return of any prize as undeliverable, may cause the winner to forfeit their prize and SCCU to reserve the right to select an alternate winner. Except where prohibited by law or regulation, winner's acceptance of prize will constitute permission for SCCU, its affiliated companies, sponsors or prize donors to use winner's name, likeness, and statements for any purpose in reference to the giveaways without additional compensation, consideration or consent. Winners will be required to pick up their prize from a Superior Choice Credit Union branch of their choice. SCCU will not ship the prize to any winner.

PRIZE: YETI Tundra® 45 cooler, valued at $299.99

The number of eligible entries received during the entry period determines the odds of winning a prize. SCCU reserves the right to change or replace the prize at any time with a prize of equal or greater value. The prize is not transferable, assignable nor redeemable for cash. All Federal, State and Local laws and regulations apply. Winners will be responsible for all Federal, State or other applicable taxes in connection with the receipt of prizes.

OFFICIAL RULES AND WINNERS LIST: For a copy of these Official Rules, please send a self- addressed, stamped envelope to: Superior Choice Credit Union Marketing Department, PO Box 127, Superior, WI 54880. For a list of prize winners, send a self-addressed, stamped envelope to: Superior Choice Credit Union Marketing Department, PO Box 127, Superior, WI 54880. All requests for a list of prize winners must be received no later than 45 days after the above-mentioned end date of the contest.

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