Credit Union Checking Account Clawson Direct

The setoff was cruel. The system was cold. But in Clawson, on a Tuesday in October, two old women reminded each other what a credit union was really for.

Agnes Kowalski didn’t recognize the return address: Legal Recovery Division, Great Lakes Fiduciary Services, Phoenix, AZ. But she recognized the word “Fiduciary.” It meant someone else was in charge of her money. credit union checking account clawson

Derek pulled a microfiche record—a relic from the ‘80s. The signature card was dated May 12, 1987. Her name. Her address, a different one. And in the fine print, clause 7(b): “Member authorizes Credit Union to apply any share or deposit balance to any indebtedness of Member, including joint obligations, without prior notice.” The setoff was cruel

“Effective immediately, a right of setoff has been exercised on Account #8872 (Checking) at Clawson Community Credit Union. All funds ($14,847.23) have been seized to satisfy a delinquent obligation on Account #441B (Joint Auto Loan, co-signed 2019).” Agnes Kowalski didn’t recognize the return address: Legal

Ruth finally looked up. Her eyes were wet. “Because you brought me a casserole when my husband left. And because Frank—God rest him—was a good man with a terrible brother. And because a credit union isn’t just a bank. It’s people watching out for people. Or it’s supposed to be.”