MEMBERS CHOICE SPECIALIZED PROGRAMS

Members Choice has developed two programs that will help educate you, our members who fall behind on their payments, denied loans based on credit score or for those who consistently live in an overdraft status. 

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Negative Share Counseling:

Please complete the two steps below:

Counseling Requirement #1: Budget Counseling – (1hr verbal counseling session) – Certificate of Completion will be provided once session is completed. To speak with a counselor, call toll-free 888-456-2227

Monday–Thursday 9:30 AM–8 PM, Friday 9:30 AM–7 PM, Saturday 11 AM–4 PM (Central Time)

BALANCE’s Privacy Policy may be found Here Privacy Policy

 Counseling Requirement #2: Completion of TWO BalanceTrack modules: Money Management AND the Checking Account Management. 80% score on the quiz – electronic confirmation of score will be received. Register for a BalanceTrace free user account or log in to get started.

 *BOTH requirements #1 and #2 must be completed

Delinquent and Denied Loans:

Please complete the two steps below:

Counseling Requirement #1: Budget Counseling (1hr verbal counseling session) with a focus on living within their means – Certificate of Completion provided via email to a contact at the credit union., call toll-free 888-456-2227

Monday–Thursday 7:30 AM–6 PM, Friday 7:30 AM–5 PM, Saturday 9 AM–2 PM (Pacific Time)

BALANCE’s Privacy Policy may be found Here Privacy Policy

 Counseling Requirement #2: Completion of THREE BalanceTrack modules: Money Management, Credit Matters, AND High Cost Financial Services. 80% score on the quiz – electronic confirmation of score will be received. – Register for a free user account or log in to get started.

 *BOTH requirements #1 and #2 must be completed

Q&A

Who is BALANCE?

 Balance is a non-profit with a commitment to promoting financial wellness starting back in 1969 originally as the Consumer Credit Counseling Service of San Francisco (CCCSSF). For more than 50 years, we’ve dedicated ourselves to providing money management education and assistance to local consumers. Since then, we’ve grown nationally through various partnerships with the financial services industry, government agencies, local charters, and corporations. Today we are known as BALANCE and continue our commitment to educate, inform and empower our clients to take control of their financial lives.  

How long with the session(s) take?

That depends on you.  Each session runs about one hour.  Then your work begins.  Depending on the session you could expect 2-4 further sessions for you to be successful in your financial empowerment.

Who are the Counselors?

The over 50 counselors on staff have gone through extensive training and certification to be the best for you. The certified BALANCE counselors are required to successfully complete certifications from Accredited Financial Counselor certification by AFCPE and Planning Education . Also they are required to earn the Certified Financial Counselor Certification from the National Association of Certified Credit Counselors. They must meet and complete the Fair Credit Reporting Act Certification Program. The Housing counselors also must successfully complete the Department of Housing and Urban Development’s housing counselor certification and the NIS by signing and agreeing to abide by NIS Code of Ethics, Conduct, and Guidelines with certification from NCHEC.