2016ANNUAL REPORT
FEDERALLY INSURED BY NCUA Humanity Counts Most
At UW Credit Union, principles are embedded in our culture that drive us to approach things differently. For more than 85 years, we’ve been dedicated to providing meaningful fi nancial services to our members with the honesty and integrity they deserve. That’s because here, humanity counts most. Year in Review In 2016, UW Credit Union demonstrated that simply doing the right thing can lead to tremendous success. Our commitment to improving the fi nancial lives of people was the driving force behind a year of signifi cant accomplishments, and the value we place on honesty, integrity and compassion allowed us to thrive in the marketplace. We’re pleased to share with you our progress in making the lives of our members easier and our communities stronger, all while maintaining our strong fi nancial footing. Our commitment is unwavering in doing the right thing for: Our Members. We welcomed nearly 12,000 new members to the credit union in 2016 and maintained our focus on high member satisfaction levels. This report highlights the many ways our business practices, product and service offerings, and technology enhancements are designed with our members’ best interests in mind. Our Employees. We committed to raising our minimum wage by September 2017 to $15 an hour – more than double the $7.25 PAUL KUNDERT President & CEO Wisconsin minimum wage. This change affects about 25% of our more than 500 employee workforce. This focused pay rate aligns with our values, and allows the credit union to continue to provide members with outstanding service and both attract and maintain highly engaged talent. Our Students. The expansion of our fi eld of membership in 2016 allowed us to provide more Wisconsin residents with access to education fi nancing options that make sense. In response to member feedback, we also introduced new term options for those looking to refi nance student loans. Our Planet. We were featured on the Environmental Protection Agency’s (EPA) list of top companies who use 100% green power for our electricity needs. Our Community. We gave back to our communities through fi nancial literacy programs, scholarships and organizations that positively impact quality of life. We maintain a diversifi ed and strong balance sheet with ample liquidity, and the credit union is fi nancially strong and growing. We boosted our capital position from $183 million to over $217 million. In addition, our net worth to assets ratio is 9.5%, well above the regulator’s top “well capitalized” level of 7.0%. As you’ll see in this report, we’ve built a solid foundation on the simple principle of doing the right thing. We look forward to continuing to do right by our members, our employees, and our communities in the coming year and beyond. On behalf of all UW Credit Union employees, we appreciate your business and the privilege of serving you. Sincerely,
Paul Kundert President & CEO [email protected] Real Life Savings
No matter what stage in life a member is in, whether it’s welcoming a fi rst child, buying that dream house or retiring, members can trust us to be with them every step of the way.
Our Practices Are Different From Other Financial Institutions We don’t support or implement overdraft practices that unfairly target consumers. UW Credit Union posts checks to minimize fees and we post debit card transactions in the order they are received. Overdraft fees are limited to one per day regardless of the number of overdraft items. We also do not assess an NSF fee if an account is overdrawn by less than $10. UW Credit Union declines debit card transactions when there are not adequate funds available so that a member doesn’t pay a $30 overdraft fee for the purchase of a $3 cup of coffee. We do not charge overdraft fees for debit card transactions except for overdrafts related to recurring debit card transactions like health club memberships. UW Credit Union puts the best interests of our members first and has not asked our membership to “opt-in” to pay debit card overdraft fees.
We don’t revoke student loan discounts if the student makes extra payments. UW Credit Union encourages responsible repayment and doesn’t penalize students for paying loans off early.
We don’t pay commissions to loan officers for loans with higher interest rates or greater loan amounts. UW Credit Union doesn’t pay commissions that put employee rewards in conflict with helping members get the best value or that reduce attention to modest loan requests.
We don’t charge up to a $4 fee to access your money at an ATM. UW Credit Union provides access to surcharge-free ATMs for both members and non-members.
We don’t charge additional fees for overseas or online purchases. UW Credit Union doesn’t charge additional fees to standard credit or debit card foreign currency exchanges.
We don’t permit marking up auto loans to provide compensation to dealerships based on the interest rate. UW Credit Union provides auto loans through a network of quality dealerships and does not allow dealers to offer higher loan rates than you can get directly from us.
We don’t create excessive student debt through the direct marketing and disbursement of private student loans. UW Credit Union provides private student loans through a process that enables college financial aid departments to certify need. We disburse funds directly to the schools to meet the cost of attendance. Member Satisfaction Our members are consistently among the most satis ed in the marketplace. Over 10,000 97% 98% 97% 94% 95% 95% 95% 96% 96% members responded to our various surveys in 2016, giving us the opportunity to analyze feedback and continue making improvements. In fact, the credit union maintained our high level of success in member satisfaction while increasing our membership by 5.6% to nearly 223,000.
In 2016: 97% of all members say we meet or exceed their overall expectations. 95% of members are satis ed with our service. 96% of members are very likely to recommend us to their friends and family.
2014 2015 2016 2014 2015 2016 2014 2015 2016 0% 20% 40% 60% 80% 100% Consumer Reports’ Ratings Meet or Satisfied with Very Likely to of Banks and Credit Unions* Exceed Overall our Service Recommend to Expectations Friends and Family UW Credit Union was highly ranked in Consumer Reports’ ratings of banks and credit unions. The comparison of nancial institutions re ected the banking MEMBER SATISFACTION
experiences of 49,000 Consumer Reports subscribers. UW Credit Union was We use member feedback to help measure our success. Our Member ranked rst in consumer satisfaction among all Wisconsin institutions evaluated Satisfaction is measured by positive responses to questions about member loyalty, engagement and overall satisfaction. and was listed as one of the best in the nation.
*January 2016 print edition of Consumer Reports magazine Expanding Our Ability to Improve Financial Well-Being Expanded field of membership. In order to strengthen our commitment to the financial success of Wisconsin residents, the Board of Directors approved a change in membership eligibility in September. In addition to past and present UW System students, any Wisconsin resident who is currently enrolled or has attended any accredited institution of higher learning can now join UW Credit Union. This expansion allows us to provide Wisconsin residents more options to manage their finances, particularly education expenses. Student loan debt protection. In June, we added debt protection to all private student loans. This feature will forgive up to $50,000 of a borrower’s outstanding loan balance if the borrower passes away. Debt protection on private student loans is offered at no cost to the borrower. In addition to protecting every private student loan in our portfolio, UW Credit Union acted in our members’ best interests and forgave over $110,000 of balances where the death of a borrower occurred before adding this feature, as well as reimbursed payments made by cosigners after the borrower passed away. University of Wisconsin credit and debit cards. In partnership with the Wisconsin Alumni Association, Badger fans can stay connected with UW-Madison and show their Badger pride with credit and debit card designs featuring athletics, the marching band, Bucky Badger or other favorite campus images. Raising our foundation wage. We committed to raising our minimum wage to more than double the $7.25 Wisconsin minimum wage. In 2016, the wage increased to $13.80 an hour and $15 an hour by September 2017. This change affects about 25% of our more than 500 employee workforce. This focused pay rate aligns with our values, and allows the credit union to continue to provide members with outstanding service and both attract and maintain highly engaged talent. UW-La Crosse partnership. In August, we entered into a 7-year partnership with UW-La Crosse, extending our reach to the La Crosse campus community. In addition to a full-service branch, we provide surcharge-free ATMs throughout campus, while also supporting the University’s It Make$ Cents financial literacy program and student scholarships. The branch opened in a temporary location at the Cartwright Center, with plans for a permanent home in the University’s new Student Center in 2017. Student lending. As part of our ongoing efforts to help members manage and repay their student loans, we introduced new 5- and 10-year terms in May, largely in response to member feedback. Mobile payment options. To keep pace with member desire for on-the-go convenience, we expanded our mobile payment options in May to include Android Pay and Samsung Pay. Members can easily make payments using their mobile devices, instead of a traditional plastic debit or credit card. Chip debit cards. Early in the year, we began the process of converting all UW Credit Union debit cards to chip-enabled cards for added security. This follows our implementation of chip technology on credit cards, which started in 2015.
Recognition UW Credit Union was named one of Milwaukee Journal Sentinel’s Top Workplaces, marking the first time we have received the award. Featured on the EPA list of top companies who use 100% green power for electricity needs. Leader for Environmental Sustainability We take great pride in our commitment to the environment, making sure that we’re doing our part to make our communities healthier places to live and work. Whether it’s purchasing green power, improving energy effi ciency, enacting company policies or engaging members and employees, we strive to have a positive impact on the environment by reducing our overall carbon footprint. And our efforts are paying off: Our new online member application process, introduced in March, saved approximately 18,000 sheets of paper in the fi rst 6 months Sent more than 565,000 electronic alerts in 2016 that would have previously been printed and mailed to members Lowered our water usage by 35%1 Reduced our electricity usage by 29.3%2 Reduced our gas usage by 23.3% Reduced carbon dioxide emissions by 94.6% by purchasing electricity needs through green power sources for all credit union-owned facilities2 Featured on the EPA’s list of top companies who use 100% green power for their electricity needs
Madison B-cycle Host The UW Credit Union Madison B-cycle station at 3750 University Avenue is a vital link in a chain of stations extending the B-cycle urban bike share program to the near west side of Madison. In 2016, the UW Credit Union station logged 695 bike checkouts and 837 check-ins. UW Credit Union members receive a discount when they sign up for an annual membership using the promo code UWCUBCYCLE.
1 Since 2007 2 Since 2008 Compassion Has An Address
Our compassionate spirit motivates us to look for the kindness and humanity in people. With us, members know they have a partner who will listen, understand and care.
Supporting Our Communities
Being a committed community partner isn’t an empty promise—it’s an unwavering pledge. That’s why we look for opportunities to positively impact the communities in which we live and serve. Whether it’s supporting fi nancial literacy programs or campus and community events, we believe in giving back and doing our part to make a difference. 2016 Community Support Highlights Financial Literacy University of Wisconsin & Affi liates Provided fi nancial education opportunities for our members and the Through our needs-based scholarship endowment funds totaling nearly community by offering free seminars, including bilingual programs $2 million, we awarded 47 students scholarships across the campuses we serve Delivered 206 fi nancial seminars reaching more than 7,300 people, of which 89% were underserved individuals and college students Donated $200,000 in additional funds to our needs-based campus Donated funding for Money Smart Week which offers free educational endowment funds seminars in the community Established a $25,000 needs-based endowment fund at UW-LaCrosse Offered members free education and advice from the experts at GreenPath, Awarded a $2,000 Community Values Scholarship to seven Wisconsin a fi nancial education and counseling service committed to helping individuals high school seniors attending a University of Wisconsin System school and families take control of their fi nances or Madison College
Quality of Life Sponsor of the UW Credit Union Summer Stage at UW-Madison’s Memorial Union Terrace Supported the Volunteer Income Tax Assistance (VITA) program by hosting Supported alumni associations at UW-Green Bay, UW-La Crosse, and coordinating two VITA sites, providing assistance to 565 individuals that UW-Madison and UW Oshkosh resulted in more than $755,079 in combined federal and state refunds Supported UW-Stevens Point continuing education and outreach Donated $5,000 to Access Community Health Centers in support for their in collaboration with the Math and Parent Partners Program Celebration of Service dinner Supported athletics at UW-Madison and UW Oshkosh Donated $25,000 to the American Family Children’s Hospital Supported Community Shares and United Way, including participation in the Loaned Executive Program, for a combined donation of $163,813 Supported UW-Madison’s Habitat for Humanity Campus Chapter Souper Bowl Donated $15,000 to the Madison College Foundation, as part of our scholarship endowment fund Supported wellness fairs at UW-Whitewater, UW-Milwaukee, UW Oshkosh, UW-Stevens Point and UW-Green Bay Financially Strong
UW Credit Union continues to be fi nancially well-positioned, growing at a steady and secure pace. Members can be confi dent that we will continue to put safety and soundness fi rst when making fi nancial decisions. 2016 Financials Growth & Financial Strength Deposit balances grew by 11%, resulting in total asset growth of Membership grew by 11,772 or 5.6% to nearly 223,000 $254 million, reaching $2.3 billion at the end of the year. Checking accounts serviced grew by 6.2% to 177,521 We remain well-capitalized. Over the past fi ve years, we’ve boosted our Average savings balances increased by 5.2% to over $9,300 per member regulatory capital position from $126 million to nearly $215 million. Our net worth to assets ratio stood at 9.5%, well above the regulator’s Average loan balances were over $6,600 per member “well capitalized” level of 7.0%. Posted positive earnings, increasing book equity to over $217 million We take a cautious approach in the quality and marketability of our Web Branch users increased by 5.2% to nearly 196,000 investment securities, as well as the investments and deposits we maintain in other federally regulated fi nancial institutions. Transaction use for debit cards grew by 8.2% to over 34.4 million transactions With ample liquidity available, we continue to meet member needs for consumer, education and home mortgage credit. Member loan advances Transaction use for credit cards grew by 2.3% to over of all types totaled $1.6 billion in 2016. 9.2 million transactions We advanced $20.2 million for the refi nancing of student loans, which represents a 136% increase over the prior year. Our prudent lending practices are based on the fundamental principle of acting in members’ best interests. Our mortgage loan portfolio shows our own underwriting and the credit quality of our membership. This is refl ected in our low percentage of loan delinquencies. At year-end, loans delinquent in payments, as a percent of total loans, was 0.64% and well below the 1.41% delinquent loan bank average most recently reported by the FDIC. UW Credit Union posted $34.0 million in net income. These earnings are added to capital reserves to maintain fi nancial strength.
View our complete 2016 audited fi nancials online at uwcu.org/fi nancials. 2015 2014 2013 2012
$1,611,815
TOTAL ASSETS $1,746,757 (in thousands) $1,858,503
$2,076,988 2016 $2,331,002
$0 $500 $1,000 $1,500 $2,000 $2,500 2015 2014 2013 2012
$1,101,943 LOANS OUTSTANDING
$1,128,702 (in thousands)
$1,258,956
$1,358,068 2016 $1,512,524
$0 $500 $1,000 $1,500 2015 2014 2013 2012
175,287
188,558 MEMBERSHIP
200,901
210,860 2016 222,632
0 50,000 100,000 150,000 200,000 $217,055 $2,065,791 $2,000 $2,000 200,000 $1,860,716 $183,146 177,521 $1,675,852 167,265 $162,984 157,043 $1,559,565 $152,064 $152,181 145,684 $1,431,531 $1,500 $1,500 150,000 132,637 $1,000 $1,000 100,000 $500 $500 50,00 0 $0 $0 2012 2013 2014 2015 2016 2012 2013 2014 2015 2016 2012 2013 2014 2015 2016
MEMBERS’ EQUITY MEMBERS’ DEPOSITS CHECKING ACCOUNTS SERVED
(in thousands) (in thousands) Driven by Principles
We take pride in holding ourselves to the highest standard—one built on honesty, integrity and respect. These core principles reside at the heart of everything we do, which is why we always do the right thing for our members.
Ethical Lending Practices
We see our members as people, not transactions. Humanity underlines each and every one of our products and services, which is why we look for the best fi nancial solution for our members. We treat everyone with fairness and respect regardless of fi nancial capacity. Highlights We continued to be a top educational lender in 2016 to members attending We were one of the top three auto lenders in Dane County, serving eleven any 4-year, public or private not-for-profi t school in the U.S. We offer both a percent of the total used car market and providing on-the-spot fi nancing fi xed and variable rate Private Student Loan to help students pay for college at more than 150 auto dealerships. expenses after they’ve exhausted their federal fi nancial aid limits. We offer student credit cards with lower limits, lower interest rates and no We refi nanced over $20 million in student loans, lowering members’ rates annual fee, giving young adults the opportunity to build credit responsibly.2 an average of two full percentage points. We provide free Credit Consultations designed to help members We are one of Wisconsin’s fastest-growing home purchase fi nancing lenders,1 understand their credit pictures and identify solutions that lower interest reaching out to borrowers of all income levels. In fact, we rank as one of costs or payment amounts. A majority of new and current members Wisconsin’s top ten home fi nancing lenders, providing loans to homeowners benefi ted from this free service. across the entire state. We assisted more than 3,700 households in 2016, Our overdraft line of credit protection is provided with no annual fee. providing more than $719 million to Wisconsin consumers who purchased Many lenders don’t offer this service or charge an annual fee which homes or refi nanced their home loans. discourages people from having the protection. We continue to make the home buying process easy and seamless for all We provide members free access to their credit scores through Web Branch, home buyers, whether online, over the phone or in one of our branches. our online banking system. This service offers members a convenient and Plus, we host monthly fi rst-time home buyer seminars so members can secure method to monitor their credit scores and provides alerts based on understand the process and timing for closing on a home loan and fi nd out changes to their credit profi le. what loans are best for their individual situations. Over 600 people attended our information sessions in 2016.
1 UW Credit Union is ranked among the top ten home loan lenders in the state based on information from county Register of Deeds Offi ces; SMR Research Corporation. 2 Parental co-signer may be required. $37.4 $169.4 $150 $781.2 $139.6 $27.0 $800 $135.2 $133.4 $726.6 $130.0 $120 $22.2 $604.7 $19.7 $600 $551.4 $19.4 $90 $439.9 $15 $20 $25 $30 $35 $400 $60 $200 $30 $5 $10 $0 $0 $0 2012 2013 2014 2015 2016 2012 2013 2014 2015 2016 2012 2013 2014 2015 2016
STUDENT LENDING MORTGAGE LENDING AUTO LENDING
(in millions - annual new Student Loan disbursements) (in millions - annual new Mortgage Loan volume) (in millions - annual Auto Loan originations) Tr u st wor t hy
We don’t take our members’ trust for granted, we go about earning it. We’re an honest and transparent partner who consistently fi nds the best long-term solutions for each individual situation. That’s because we’re focused on our members’ fi nancial success, not our bottom line.
Our Investment Services Are Different From Other Companies
Our guiding principle of acting in members’ best interests allows our practices to be different from other wealth management companies.
Everyone is welcome. We take time to get to know our members—and their All staff working in Investment Services are employees of UW Credit Union. fi nancial dreams. Our approach with clients is simple: to be a trusted partner Members are assured that every decision made by an employee is not who treats people with fairness and respect, regardless of the size of their infl uenced by external compensation factors or corporate quotas. Plus, our current portfolio. employees cannot accept gifts of material value, such as a vacation trip for selling specifi c mutual funds or insurance policies. We listen, understand and care. When members meet with us, they fi nd a caring partner, not an aggressive sales pitch. That’s because we carefully Our broker, LPL Financial, engages in fair and ethical practices. Unlike refl ect on our conversation with members before designing possible strategies. investment banks, LPL Financial is not a product manufacturer or distributor, nor are they a division of an insurance company. They also do not provide We’re a partner for the long-term. Our experienced fi nancial consultants loans to hedge funds. Therefore, any products offered to members are have the knowledge and insight for both bull and bear markets, as well as purchased from market sources, not our own portfolio. When members an in-depth understanding of the Wisconsin Retirement System. No matter invest with us, they know that all our investment strategies are objective how large a member’s portfolio may potentially grow, they will not outgrow us. and confl ict-free. We’re an independent company that doesn’t sell house-brands, proprietary securities or a parent company’s insurance products. Our fi nancial consultants are focused on building a portfolio that addresses the individual member’s needs, not leveraging profi table privately run funds As of December 31, 2016, our Investment Services: that are developed, managed and sold in-house. We’re always looking out for our members’ best interests. Provided investment and insurance solutions to nearly 3,400 members Managed nearly $244 million in total assets
Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affi liates. UW Credit Union and Investment Services at UW Credit Union are not registered broker/dealers and are not affi liated with LPL Financial.
Not NCUA Insured | No Credit Union Guarantee | May Lose Value Saving What Counts
We make banking easy so that members can focus on what’s really important in their lives, whether that’s spending more time with their families or pursuing that once-in-a-lifetime dream.
Human Values
We understand that our employees have the greatest impact on member satisfaction. That’s why we start with hiring the best and then treat our employees with the same dignity and respect that we show our members. Executive Management Team Our management philosophy is simple: Do the right thing.
PAUL KUNDERT BRAD McCLAIN MIKE LONG LISA GIRDHARRY President & Executive Vice President & Executive Vice President & Senior Vice President & Chief Executive Offi cer Chief Financial Offi cer Chief Credit Offi cer Chief Marketing Offi cer
UW Credit Union’s core values focus around people. We committed to raising our minimum wage to more than double the Wisconsin minimum wage by September 2017. This change affects about 25% of our more than 500 employee workforce. This focused pay rate allows the credit union to continue to provide members with outstanding service and both attract and maintain highly engaged talent. It also allows employees to increase their savings and further provide for their families. LEE WIERSMA ROB VAN NEVEL JON BUNDY Executive Vice President & Senior Vice President & Chief Legal Offi cer Chief Human Resources Offi cer Chief Member Solutions Offi cer Board of Directors
Our volunteer Board serves as the elected representatives of the credit union membership. Message From Board of Directors’ Chair Serving as the elected representatives of our entire membership, UW Credit Union’s Board of Directors helps guide the organization in its mission to improve the financial well-being of people. We measure performance through the value we provide our members and employees, our financial strength and the impact we have on the community and the environment. UW Credit Union continues to earn the top “well capitalized” mark of financial strength, finishing 2016 with a net worth to total assets ratio of 9.5%. Our organization’s strong financial core has allowed us to continue to keep member fees low and provide consumer and mortgage credit to our members. In fact, we continue to be among the top home loan lenders in Wisconsin. Our members are at the center of everything we do and we continue to leverage member feedback to help guide our decisions and gauge our success. While increasing our membership to over 222,000, 96% of our members say they would recommend us to a friend or colleague. YVONNE EVERS Our commitment to providing free financial education to our communities remains steadfast. In 2016, we delivered 206 financial seminars reaching more than 7,300 students and community members. We take great pride in providing our college-age members the foundation to begin a life of financial success. More than 89% of attendees were underserved individuals or students from our campus markets across the state. Through our growth, we continue to add to our local Wisconsin employee base, and we are proud to offer wage levels and employee benefits that help build a strong community. As part of our focus around employees, we were pleased to announce our commitment to more than double the Wisconsin minimum wage to $15 an hour by September 2017. We also continued our pledge to reduce the environmental impact of our organization. On behalf of the entire Board of Directors, thank you for your continued membership. We remain dedicated to providing an accessible, convenient banking experience that puts members’ best interests first.
Respectfully,
Yvonne Evers Chair, UW Credit Union Board of Directors
MEMBER UW Credit Union Board of Directors VOLUNTEERS LEROY BAKER Audit Committee Retired Chief Technology Of cer, UW Health Information Services
ROBERT DYE Audit Committee Associate Dean Emeritus-Administration, College of Engineering, UW-Madison
GERALD LANGE Audit Committee Emeritus Director of Internal Audit, UW-Madison Chair Vice Chair Treasurer Secretary YVONNE EVERS MARION BROWN3, 4 ERNEST HANSON1, 2 STEVEN RICK2, 4 TRACY WIKLUND CEO, YME Coaching & Consulting, LLC Vice President of Development, Emeritus Professor & former Chair, Chief Economist CUNA Mutual Group, University of Wisconsin Foundation Department of Accounting Senior Lecturer, Economics Audit Committee & Information Systems, Department, UW-Madison Department Administrator, School of Business, UW-Madison Medical Microbiology & Immunology, UW-Madison
TERRY WARFIELD Funds Management Committee PWC Professor in Accounting Chair, Department of Accounting & Information Systems Wisconsin School of Business
BOARD DIRECTORS EMERITI
JAMES JOHANNES2 PHILLIP HELLMUTH4 ANN HOYT TAD PINKERTON SHENITA BROKENBURR FRANK HUMPHREY2 PHYLLIS KING2 JEFFREY S. RUSSELL3 KELLY WILSON3 Senior Associate Vice President, President Vice Provost for Academic Affairs, Vice Provost for Lifelong Learning & Chief Legal Of cer and General 1 Audit Committee Member Chief Human Resources Of cer NAACP Wisconsin State Conference, Faculty Member, Occupational Therapy Dean of Continuing Studies, Faculty Counsel, University of Wisconsin 2 Funds Management Committee Member University of Wisconsin System Retired State of Wisconsin Department, UW-Milwaukee Member, Civil and Environmental Hospital and Clinics, Secretary 3 Board Development Committee Member Career Executive Engineering Department, UW-Madison of the Board, UW Hospitals 4 Nominating Committee Member and Clinic Authority
Locations & Access Madison Area Milwaukee Area 24/7 Banking Options
3500 University Avenue (Corporate Offi ce) 6016 North Port Washington Road, Glendale Web Branch – uwcu.org
44 East Miffl in Street 21215 East Moreland Boulevard, Waukesha Text Banking – UWCU9 (89289)
3750 University Avenue 2365 North Mayfair Road, Wauwatosa Mobile Banking – m.uwcu.org
4101 Commercial Avenue 6510 West State Street, Wauwatosa Mobile App (App Store® or Google Play™)
1308 West Dayton Street, UW-Madison 2200 East Kenwood Boulevard, UW-Milwaukee ATMs – Access to thousands of surcharge-free ATMs across the country 662 State Street 2525 South 108th Street, West Allis
1435 Monroe Street Greater Wisconsin 278 Junction Road 809 Division Street, Stevens Point 1422 Northport Drive 2420 Nicolet Drive, UW-Green Bay 6331 McKee Road, Fitchburg 748 Algoma Boulevard, UW Oshkosh 1701 Wright Street, Madison College 800 West Main Street, UW-Whitewater 6750 Century Avenue, Middleton 521 East Ave. N, UW-La Crosse 200 East Broadway Avenue, Monona
250 South Grand Avenue, Sun Prairie
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