From money orders to credit reviews, we're here for you.

At Advantage One, we offer a lot more than checking accounts and loans. We also sweat the details, providing a wide array of other services that can help you manage your money and achieve your financial goals.

Additional Financial Services

  • Money Orders: Need to guarantee funds, or pay where checks aren't accepted? A money order may be the way to go. The funds are guaranteed when you pay for the money order, making money orders a trusted method of payment.

  • Corporate Checks: Sometimes you may need a stronger guarantee than a simple personal check. We offer corporate checks for any value and the funds are guaranteed by Advantage One.

  • Notary Service: If you have important documents that must be signed and the signatures witnessed, we have notaries available at our Brownstown and Southgate branches. Their services are free of charge for members in good standing.

  • Signature Guarantee: We offer the Medallion Signature Guarantee Program.

  • Savings Bond Redemption: We can redeem U.S. Savings Bonds at the Brownstown or Southgate locations.

  • Wire Transfers: Need to send money fast? We offer domestic wire transfers.

  • Coin Machine: Turn your loose change into cash you can really use. Members may bring their clean, unrolled, American currency into the Brownstown or Southgate branch office. Our self-serve coin machines will have you sorted and on your way with cash in hand in no time. 

Free Credit Report Review  

Your credit score is an important factor in your financial well-being. It's checked when you apply for a loan or an apartment lease or pursue certain types of employment. Each year, for no charge, one of our trained professionals will sit down with you for a confidential review of your credit report and offer insights that can help you maintain and improve your credit standing.

Monitor your credit score:

  • Identify and correct any errors

  • Look for ways to improve your credit rating

  • Protect against identity theft and fraud

To schedule a Credit Report Review, fill out the form, call us at (734) 676-7000 or text us.

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 Medallion Signature Guarantee

What is a Medallion Signature Guarantee?

The Medallion Signature Guarantee is used for selling, redeeming or transferring securities, such as stocks or mutual funds. The transfer agent requires the signature of the owner(s) of the securities to be “guaranteed” by a financial institution before they will act upon the transaction request. The Medallion Signature Guarantee procedure is more complex than a notarized signature procedure.

Since Advantage One Credit Union accepts liability for any forgery, we are required to verify more information than is needed for a signature to be notarized.

 

Why do I need Medallion Signature Guarantee?

One of the main purposes of the Signature Guarantee is to protect the securities owner by preventing fraudulent transfers. When Advantage One Credit Union processes a Signature Guarantee, we are not only verifying that your signature is genuine, but that you are the appropriate person to sign the request, and that you are acting within your legal capacity to sign the transaction request form.

 

What do I need to bring to the credit union?

In order to expedite the Medallion Signature Guarantee process, please bring the following:

  • Two forms of identification, one must be a valid photo identification such as a drivers license or state issued ID card

  • A document proving your ownership of the security you wish to sell, redeem, or transfer, such as a recent account statement

  • Verification of the approximate value of the securities involved In special cases, we may need other documents that demonstrate your legal capacity to act on the account (for example a will, power of attorney documents, trust documents, death certificate, small estate affidavit, etc.)

  • All joint owners of the security, as they will also need to sign. The joint owners will also need to present two forms of identification.

We have the ability to process signature guarantees on transactions up to $100,000. If your transaction is larger than this, please contact the issuer of your security to request assistance in finding another local Signature Guarantor to handle your request. For your convenience, AOCU has signature guarantors at the Brownstown & Southgate branches. To ensure prompt and accurate service, please call ahead and staff will fill you in on the details regarding what documents you will need and with whom you will meet when you arrive.