Information about your accounts

Member Number

One of the most important components of this conversion is your BrightBridge Credit Union member number. Arrha did not previously use member numbers, so this will be a new identifier for you.

Your assigned member number will be mailed to you around July 15. After the conversion is complete, this number will be used to enroll in and access online and mobile banking. Please keep your member number in a safe place for future reference.

Any preauthorized transactions including existing automatic payments and deposits will continue to be processed as usual.

Statements

Your statements will include activity from the prior calendar month. While statements will have a new look, they will still provide the same important information about your accounts. Please note that images (such as check or deposit images) will no longer be included with your statements. All members will receive a paper statement for the month of July.

As a courtesy, paper statement fees will be waived until November, giving you time to sign in to digital banking and update your statement preference to electronic statements and avoid the fee moving forward.

Due to the conversion, your past transaction history will not be available when you first log in to online or mobile banking. Please reference your statements for prior transaction details. Transaction history will be available in online and mobile banking from August 1 forward.

If you have a mortgage loan and/or fixed home equity loan, you will receive a separate statement specifically for your mortgage.

Consumer Loans (not including Residential Mortgage or Fixed Home Equity Loans)

As referenced above, you will receive your new member number which defines your membership with BrightBridge, however, your specific loan account number will not change.

For members who mail payments, please update the mailing address to:

BrightBridge Credit Union
P.O. Box 909
North Andover, MA 01845

Please use this address for any mailed payments. Automatic loan payments from your new BrightBridge checking or savings account to your BrightBridge loan will transfer over to the new system (this does not include payments to mortgages through online and mobile banking). If you have a previously scheduled payment originating from another financial institution, that payment will continue to be processed. For faster processing, please make sure to update the payee's name to BrightBridge Credit Union with any third-party online bill payer services.

Credit Card Account Holder(s):

If you have a credit card or other credit account, you may continue to manage and service your account as you do today. Additional details will be shared with credit account holders at a later date as we prepare for branding updates and enhanced card service and security features.

Home Equity Line of Credit

Please contact your insurance agent to update the mortgagee clause to:

Scheduled Transfers and Payments

All scheduled recurring transfers and payments between your BrightBridge accounts and loans to or from another financial institution (NOT including Mortgages or Fixed Home Equity Loans) will continue to process after the conversion. New recurring transfers should be set up prior to Thursday, July 30.

You will not be able to set up new transfers between Thursday, July 30 and Sunday, August 2.

Deposit Accounts

During the conversion weekend, all checking and savings accounts will be converted to one of the accounts listed below. You do not need to take any action; this will be done automatically. Please reference the Truth in Savings disclosure for account features and details.

Current Account	New BrightBridge Account Name
Arrha Membership Savings	Membership Savings (Main Share) Account
Arrha Savings Account	Savings (Share Savings) Account
Summer Share (Club)	Vacation Club
IRA Savings Account	IRA Share Savings - Traditional
Money Market Share Account	High Yield Money Market
Share Draft	Basic Checking
Arrha Purple Checking	Basic Checking
Business Share Draft	Business Checking 300
Business Money Market	Business Money Market
Interest Checking	Kasasa Cash Back Checking
Arrha Plus Checking	Kasasa Cash Back Checking
Student Checking	Kasasa Cash Back Checking
Arrha Premium Checking	Kasasa Cash Back Checking

Privacy and Disclosures

To review BrightBridge's privacy policies and disclosures, please visit: brightbridge.com/privacy-and-disclosures.

Kasasa Cash Back Checking features

• You can receive 3.00% cash back on up to $300.00 in debit card purchases that post and settle to your account if you meet the minimum qualification requirements during the monthly qualification cycle
• A maximum of $9.00 cash back may be earned per monthly qualification cycle
• We will refund up to $25.00 in ATM fees assessed at nationwide ATMs we do not own or operate
• No monthly maintenance fee or minimum balance

Basic Checking features

• No monthly maintenance fee or minimum balance

Interest Checking features

• Earn interest
• No monthly maintenance fee or minimum balance
• Up to $10.00/month ATM fee reimbursements if average daily balance of $1,000.00 is maintained

You may continue to use your existing checks with the Arrha routing number. When you need to reorder, your new checks will include BrightBridge's routing number: 211384926.

While the Arrha routing number will continue to work, we encourage you to primarily use the BrightBridge routing number after the weekend of August 1.

Please continue to use your existing ATM/Debit cards. You will be reissued a new BrightBridge branded card later this year.

Please visit brightbridge.com/checking for full details on checking account options.

Certificates of Deposit

Certificates of Deposit will earn dividends based on the average daily balance method.

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Conversion Guide for Arrha Members

Arrha Conversion Home Page

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What to do before conversion

What to do during conversion weekend

What to do after conversion

Residential Mortgage & Fixed Home Equity Loans

Online and Mobile Banking