BEST FINANCIAL CREDIT UNION. Dec, 31, 2023 — BEST FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in MUSKEGON, MI with …Best Financial Credit Union is headquartered in Muskegon and is the 96 th largest credit union in the state of Michigan. It is also the 1,540 th largest credit union in the nation. It was established in 1955 and as of December of 2023, it had grown to 41 employees and 13,254 members at 2 locations.Best Financial Credit Union's CD rates are 4X the …For more information on the benefits of membership in Family Financial Credit Union, stop by our office located at 3575 Henry Street, Muskgeon, MI 49441 or call (231) 733-4600 or toll free 1-800-332-0779. You are also invited to email the credit union at [email protected] Routing Number 272483316 belongs to Best Financial Credit Union. It routing FedACH ... Name: Best Financial Credit Union: Address: Muskegon Hgts, MI . Phone: 231-733-1329: Type: Main Office: Servicing Fed ... doesn't process Fedwire Payments. A routing number is a nine digit code, used in the United States to identify the ...Family Financial Credit Union is headquartered in Muskegon, Michigan has been serving members since 1959, with 4 branches and 4 ATMs. The Main Office is located at 3575 Henry Street, Muskegon, Michigan 49441. Contact Family Financial at (231) 733-4600. Access Family Financial Credit Union Login, hours, phone, financials, and additional …Stop by or give us a call to learn more about available career opportunities at Family Financial Credit Union. Our team looks forward to speaking with you ... Join the credit union today and enroll your family members. A referral is the best ... 3575 Henry Street Muskegon, MI 49441. 231.733.4600 800.332.0779 231.733.1631 …423 customer reviews of Best Financial Credit Union. One of the best Credit Unions, Finance business at 1888 E Sherman Blvd, Muskegon MI, 49444 United States. Find Reviews, Ratings, Directions, Business Hours, Contact …Specialties: Service 1 Federal Credit Union is a not-for-profit financial cooperative, owned and directed by its members. All profits earned are returned to members in the form of fewer fees and better rates. Members enjoy a full line of personal financial services, including dividend-bearing savings, and FREE Kasasa Rewards® checking with debit card, car …Unlike traditional banks, credit unions return their earnings to members in the form of lower loan rates, higher savings rates, and fewer fees. Credit unions in North Muskegon, Michigan, offer a variety of financial services including savings and checking accounts, loans, and more, with a focus on serving their members' best interests.3 reviews of Lakeshore Federal Credit Union "LFCU is a great place to do your banking. Mu husband has had an account there for over 40 years, and his father before him. Although a bit of staff turnover (since COVID) the staff is always very friendly and especially kid-friendly. They have a good driveup, ATM, and regular inside service hours. Home Mortgage Loans. Finance your West Michigan dream home with a local lender; The process is entirely local from start to finish; Free pre-approval and refinancing available The routing number for Best Financial Credit Union is 272483316. Find Us. Contact Us. No Waits — or Papercuts. Open an Account Apply for a Loan. iTunes Google Play. 5.00% APY* on balances up to $10,000; 5.00% to 0.68% APY on balances over $10,000 depending on balance in account* 0.05% APY* if qualifications aren't met Unlike traditional banks, credit unions return their earnings to members in the form of lower loan rates, higher savings rates, and fewer fees. Credit unions in North Muskegon, Michigan, offer a variety of financial services including savings and checking accounts, loans, and more, with a focus on serving their members' best interests. The routing number for Best Financial Credit Union is 272483316. Find Us. Contact Us. No Waits — or Papercuts. Open an Account Apply for a Loan. iTunes Google Play. View information about Community Choice CU's Muskegon - Harvey Street, MI member center. Discover Harvey Street's address, lobby hours, ... Financial planning. 24/7 Fee-free drive-up ATM. Night drop services. ... Community Choice Credit Union Facebook. Instagram. Twitter. Linkedin. Youtube. Routing #272079021. Call Us.Family Financial Credit Union located at 3575 Henry St, Muskegon, MI 49441 - reviews, ratings, hours, phone number, directions, and more. ... Michigan 49441. Family Financial Credit Union can be contacted via phone at 231-733-4600 for pricing, ... Best Financial Credit Union. 1888 E Sherman Blvd Muskegon, Michigan 49444 231-733-1329 Michigan Coastal Credit Union headquarters is in Muskegon, Michigan has been serving members since 1958, with 1 branch from Main Office. The Main Office is located at 1086 Creston Street, Muskegon, Michigan 49442. Contact Michigan Coastal at (231) 777-3620. Access Michigan Coastal Credit Union Login, hours, phone, financials, and additional ... BEST FINANCIAL CREDIT UNION. Dec, 31, 2023 — BEST FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in MUSKEGON, MI with …THE BEST 10 Banks & Credit Unions in MUSKEGON, MI - Last Updated March 2024 - Yelp. Yelp Financial Services Banks & Credit Unions. Top 10 Best Banks & Credit …Find your nearest Best Financial Credit Union branch or ATM using our interactive search tool below. Best Financial has 2 branches across Michigan, ... Muskegon, MI 49444 (231) 733-1329 Open Today: 9:00 am - 12:00 pm. Branch Details. Spring Lake Branches . Spring Lake Branch. 612 W Savidge Street North Muskegon Branch. 1798 Holton Road North Muskegon, MI 49445. Branch Details. The interactive map showcases all Family Financial branches located in and around the North Muskegon, making it easy for residents to find the nearest one and take advantage of their services. Thu 9:00 AM - 5:00 PM. Fri 9:00 AM - 5:30 PM. (231) 777-3620. https://www.michigancoastal.com. According to the website: Navy Federal Credit Union is a financial institution that serves the military community and their families in the United States. This branch is located in Muskegon, MI. Navy Federal Credit …Loan rates may vary based on the borrower’s credit profile as determined by Family Financial Credit Union. Rates subject to change. ... Join the credit union today and enroll your family members. A referral is the best ... 3575 Henry Street Muskegon, MI 49441. 231.733.4600 800.332.0779 231.733.1631 fax. Lobby. Mon, Wed, Thur, Fri 9 ...ENT Credit Union is a leading financial institution in Colorado, offering a wide range of banking services to its members. Whether you’re looking for a loan, a credit card, or simp...BEST FINANCIAL CREDIT UNION. Dec, 31, 2023 — BEST FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in MUSKEGON, MI with …Muskegon, MI – Best Financial Credit Union (BFCU) is excited to announce the launch of Buy Local Spend Local, a community investment project that encourages its 11,500 members to shop at locally owned businesses. BFCU will randomly reimburse 10 transactions per month of up to $30 each when the …A creditor has a right to file a lawsuit against a debtor if he defaults on a loan or a credit card. When a creditor receives a court judgment confirming the debt, she can attempt ...If you’re shopping for a place to keep your money, you have several options. National banks offer the convenience of a large number of ATMs and branches. Local banks give you perso...Get more information for Best Financial Credit Union in Muskegon, MI. See reviews, map, get the address, and find directions. Search MapQuest. Hotels. Food. Shopping. Coffee. Grocery. Gas. Best Financial Credit Union. Opens at 12:00 AM (231) 733-1329. Website. More. Directions Advertisement. 388 W Clay AveMuskegon, MI (December 10, 2018)–Lake Michigan Credit Union (LMCU) is pleased to announce the Monday, December 3, 2018 opening of its newest branch at 925 W. Sherman Boulevard in Muskegon, Michigan. The Muskegon facility is a full-service branch and features a comfortable walk-in lobby, drive-through service, a 24-hour drive-up ATM, … Lakeshore Federal Credit Union is headquartered in Muskegon, Michigan has been serving members since 1953, with 1 branch from Main Office. The Main Office is located at 2182 Lakeshore Drive, Muskegon, Michigan 49441. Contact Lakeshore at (231) 755-1202. Access Lakeshore Federal Login, hours, phone, financials, and additional member resources. Home Equity Line of Credit (Variable) Call for Current Rates: Home Equity Loan (Fixed) Call for Current Rates: Auto Loan (New & Used) 4.99%: Motorcycle: 4.99%: Boats/RVs: …Read 447 customer reviews of Best Financial Credit Union, one of the best Credit Unions businesses at 1888 E Sherman Blvd, Muskegon, MI 49444 United States. Find reviews, ratings, directions, business hours, and book appointments online.Muskegon, MI (December 10, 2018)–Lake Michigan Credit Union (LMCU) is pleased to announce the Monday, December 3, 2018 opening of its newest branch at 925 W. Sherman Boulevard in Muskegon, Michigan. The Muskegon facility is a full-service branch and features a comfortable walk-in lobby, drive-through service, a 24-hour drive-up ATM, …Best Financial Credit Union checking accounts, also referred to as Share Draft Accounts, provide convenient access to your funds through debit cards, physical checks, and ATMs. Contact the credit union at (231) 733-1329.Compare the best Credit Union Savings Rates Muskegon, Michigan, MI based on location and convenience, bank financials, and rates March 22, 2024. Compare the best Credit Union Savings Rates Muskegon, Michigan ... Credit unions provide low-income and financially distressed individuals the chance to qualify for financing. Credit …Phone Number: (800) 242-9790. Report Phone Problem. Address: Lake Michigan Credit Union Norton Shores Branch 1619 Mount Garfield Road Muskegon, MI 49444. Website: Visit Website. Online Banking:Contact Us. Make an Appointment. Call 877.243.2528. Community Choice Credit Union provides personal checking, savings, mortgages, loans, and business banking services to our neighbors across Michigan. The routing number for Best Financial Credit Union is 272483316. Best Financial Credit Union is located at this address: P O Box 4304, Muskegon Hgts, Michigan. In case of mail delivery, this is the full address you should use: To contact Best Financial Credit Union by phone, call: (231) 733-1329. 272483316. BEST FINANCIAL CREDIT UNION. P O BOX 4304 MUSKEGON HGTS. Michigan, 49444. **Address mentioned in the table may differ from your branch office address. Routing number of a bank usually differ only by state and is generally same for all branches in a state.Port City Federal Credit Union. 460 West Laketon Avenue, Muskegon, MI 49441. $15 - $17 an hour - Part-time, Full-time. Responded to 75% or more applications in the past 30 days, typically within 3 days.Your savings are federally insured to $250,000 by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act. Michigan Coastal NMLS# 812035Contact Community Choice Credit Union Muskegon. Phone Number: (877) 243-2528. Fax: (231) 755-6618. Report Phone Problem. Address: Community Choice Credit Union Muskegon - Harvey Street Member Center Branch 1624 Independence Drive Muskegon, MI 49444. Website:Getting a credit union mortgage may allow you to score better rates, but it likely will be tougher to qualify. By clicking "TRY IT", I agree to receive newsletters and promotions f...Ant Financial, the payments arm of Alibaba, has launched a blockchain-powered money transfer service. On Monday (June 25) Ant Financial, the payments and financial services arm of ... Top 10 Best Banks in Muskegon, MI - March 2024 - Yelp - Family Financial Credit Union, Chase Bank, Bank of America, Huntington Bank, Comerica Bank, Best Financial Credit Union, Aac Credit Union, Choice One Bank, First of America Bank-West Michigan, Bank One Michigan The routing number for Best Financial Credit Union is 272483316. Best Financial Credit Union is located at this address: P O Box 4304, Muskegon Hgts, Michigan. In case of mail delivery, this is the full address you should use: To contact Best Financial Credit Union by phone, call: (231) 733-1329. See reviews, photos, directions, phone numbers and more for the best Credit Unions in Muskegon, MI. Find a business. Find a business. Where? Recent Locations. Find. ... Best Financial Credit Union. Financial Services. Website. 69 Years. in Business (231) 733-1329. 388 W Clay Ave. Muskegon, MI 49440.Credit Union Best Financial Credit Union. Charter Number 62027. Year Chartered1955. Address1888 East Sherman Boulevard. City, State, ZipMuskegon, MI 49444. Peer Group5 - $100,000,000 to less than $500,000,000. Field of Membership TypeState Charter. Routing Number (ABA Routing Number)1272483316.Monthly Direct Deposit/ACH credit/debit, enrollment in online banking, receipt of electronic statements are condition(s) of this account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be … Advance America also offers Western Union money solutions and Netspend Visa prepaid cards. We are a trusted financial services company with 1,200+ Advance America locations nationwide. With a 5-star rating on Trustpilot and A+ rating with BBB, our knowledgeable staff in Muskegon, MI can help you choose the personal loan that's right for you. Best Financial Credit Union ... (231) 769-2090 Visit Website Map & Directions 1888 E Sherman Blvd Muskegon, MI 49444 Write a Review. Places Near Muskegon with Mortgages. Cloverville (3 miles) Fruitport (9 miles) Dalton (14 miles) Ferrysburg (14 miles) Spring Lake (14 miles) More Info Because the BEST makes life better Accounts can be opened for individuals (Trust, Business and Fiduciary Accounts will need to apply in person at the Credit Union). You will need the following information to apply for an account: Social Security Number (SSN), EIN or ITIN. Driver’s License. Phone number and email address. Best Financial Services in Muskegon, MI - First Financial Advisors, Turn-Key Mortgage, Braeburn Wealth Management, Shoreline Insurance, Forrest Tax & Accounting Services, Edward Jones - Financial Advisor: Jay D Wallace Jr, Edward Jones - Financial Advisor: Brett A Adkins, Raymond James Financial Services, …Debit, Credit, or ATM Card Issues? Lost or Stolen? If your card is lost / stolen please report it ASAP by calling 1.877.632.1107; If you would like to report fraudulent or unauthorized activity please call the Credit Union during normal business hours; however, in the meantime, please call 1.877.632.1107 to shut down your card as a pre-caution. For more information on the benefits of membership in Family Financial Credit Union, stop by one of our four convenient locations or call 231.733.4600or toll free 800.332.0779. MUSKEGON BRANCH. 3575 Henry Street Muskegon, MI 49441. 231.733.4600800.332.0779231.733.1631 fax. A referral is the best compliment. Tell your friends and neighbors to join Family Financial Credit Union too. For more information on the benefits of membership in Family Financial Credit Union, stop by one of our four convenient locations or call 231.733.4600or toll free 800.332.0779. MUSKEGON BRANCH.Credit unions are not-for-profit institutions that are owned by their account holders. Learn about credit unions and credit union services. Advertisement On the surface, credit uni...FREE. Teens between 13 and 17 years old 1. Competitive dividends on all balances of $100 or more. Special kid-centric features include: Punch card program; receive a $10 gift card upon filling your punch card. Free debit card available 2. Gift package upon account opening. Savings promotions. Birthday postcards.When it comes to managing your finances, choosing the right credit union is crucial. In Colorado, one credit union that stands out among the rest is Ent Credit Union. One of the ma... Unauthorized use of this system is strictly prohibited and is subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S. Code Sec. 1001 and 1030. 23 Credit Union jobs available in North Muskegon, MI on Indeed.com. Apply to Member Services Representative, Teller, Lake Manager and more! 1818 East Sherman Boulevard Muskegon, MI 49444 At this Location Our office in Muskegon, Mich., offers free coffee, Wi-Fi, complimentary document shredding bins and much more to make banking a simple, hassle-free experience. Best Financial Credit Union. Sherman Main Office. 1888 East Sherman Boulevard Muskegon, MI 49444. Open Today: 9:00 am - 5:00 pm. Branch Details. Community …Best Financial Credit Union Locations. Find your nearest Best Financial Credit Union branch or ATM using our interactive search tool below. Best Financial has …Branch addresses, phone numbers, and hours of operation for Best Financial Credit Union in Muskegon, MI. Best Financial Credit Union Muskegon MI 1888 East Sherman Boulevard 49444 231-733-1329. Best Financial Credit Union in Muskegon, MI - Branch locations, hours, phone numbers, holidays, and directions.Contact Us. Make an Appointment. Call 877.243.2528. Community Choice Credit Union provides personal checking, savings, mortgages, loans, and business banking services to our neighbors across Michigan.Over the past two years, credit ratings agency Standard & Poor’s has downgraded Cyprus, France, Italy, the Netherlands, Malta and Spain. Today S&P stopped beating around the bush a...Contact Us. Make an Appointment. Call 877.243.2528. Community Choice Credit Union provides personal checking, savings, mortgages, loans, and business banking services to our neighbors across Michigan.Fax: (231) 744-5320. Report Phone Problem. Address: Muskegon Federal Credit Union Holton Road Branch 1700 Holton Road Muskegon, MI 49445. Website: Visit Website. Online Banking: Muskegon Federal Login.We list the ATM withdrawal limits for the largest banks and credit unions. We also show how to increase your limit. Banks and credit unions often set daily ATM withdrawal limits fo...Get more information for Best Financial Credit Union in Muskegon, MI. See reviews, map, get the address, and find directions. Search MapQuest. Hotels. Food. Shopping. Coffee. Grocery. Gas. Best Financial Credit Union. Opens at 12:00 AM (231) 733-1329. Website. More. Directions Advertisement. 388 W Clay AveInvestopedia defines a financial institution as any establishment where the primary activity is fostering financial transactions. Because of this broad definition, there is a wide ... For more information on the benefits of membership in Family Financial Credit Union, stop by one of our four convenient locations or call 231.733.4600 or toll free 800.332.0779. MUSKEGON BRANCH 3575 Henry Street Muskegon, MI 49441 Easily set up direct deposit or automatic payment from a Best Financial Credit Union account; Protect your vehicle with our extended coverage options; Get affordable vehicle insurance through Best Financial Insurance Agency; Local West Michigan decision-making and processing; Friendly, customized service from start to finishPenFed — short for Pentagon Federal — Credit Union was first established in 1935, and since then it’s become one of the United States’ largest credit unions. PenFed isn’t as restri...Accounts can be opened for individuals (Trust, Business and Fiduciary Accounts will need to apply in person at the Credit Union). You will need the following information to apply for …We list the ATM withdrawal limits for the largest banks and credit unions. We also show how to increase your limit. Banks and credit unions often set daily ATM withdrawal limits fo...See 3 reviews and 27 photos of Best Financial Credit Union "As a teacher I joined when it was the Muskegon County Teachers Credit Union. Have used loan, savings, Home and Car Insurance, CD's and Credit Card services and have not a complaint. The only requirements I have needed to fulfill have been those necessary to secure the continued …Fax: (231) 799-0825. Report Phone Problem. Address: Service 1 Federal Credit Union Lakes Mall Branch 1625 Eastwind Drive Muskegon, MI 49444. Website: Visit Website. Online Banking: Service 1 Federal Login.Banks Credit Unions in Muskegon on YP.com. See reviews, photos, directions, phone numbers and more for the best Credit Unions in Muskegon, MI. Find a business. Find a business. ... Best Financial Credit Union. Credit Unions Financial Services Banks. Website Directions More Info. 68 Years.When it comes to managing your finances, choosing the right credit union is crucial. In Colorado, one credit union that stands out among the rest is Ent Credit Union. One of the ma...Unauthorized use of this system is strictly prohibited and is subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S. Code Sec. 1001 and 1030.ENT Credit Union is a leading financial institution in Colorado, offering a wide range of banking services to its members. Whether you’re looking for a loan, a credit card, or simp...Due to inclement weather at our processor, we are experiencing some connection issues and it is affecting some of our services: Debit and Credit CardsOur Annual Meeting will be held March 26, 2024 at 5:30 pm at our Terrace Street office at 715 Terrace St, Muskegon, MI. Route 31 CU is celebrating 75 years serving the West Michigan area. Join us for a Family Fun Day with Food, Entertainment and Fun on May 18th from 11 am - 1 pm at our Terrace Street location.Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history. There are even certain situations where a ...
Reviews from Best Financial Credit Union employees about Best Financial Credit Union culture, salaries, benefits, work-life balance, management, ... Jobs at Best Financial Credit Union in Muskegon, MI. See more jobs. Full Time Teller. Muskegon, MI. 30+ days ago. MSR I (Teller) Muskegon, MI. 30+ days ago. Spring Lake Branch Manager.. Spectrum online watch
The routing number for Best Financial Credit Union is 272483316. Find Us. Contact Us. No Waits — or Papercuts. Open an Account Apply for a Loan. iTunes Google Play.Best Financial Credit Union | Muskegon, MI - Since 1955, Best Financial Credit Union, formerly Community Schools Credit Union, has focused on providing a comprehensive, member-first banking alternative to the people of West Michigan. Best Financial Credit Union. Advertisement. Global Rank. 16 M. Daily Visitors. …Phone Number: (800) 242-9790. Report Phone Problem. Address: Lake Michigan Credit Union Norton Shores Branch 1619 Mount Garfield Road Muskegon, MI 49444. Website: Visit Website. Online Banking:Read 449 customer reviews of Best Financial Credit Union, one of the best Credit Unions businesses at 1888 E Sherman Blvd, Muskegon, MI 49444 United States. Find reviews, ratings, directions, business hours, and book appointments online.Best Financial Credit Union. Sherman Main Office. 1888 East Sherman Boulevard Muskegon, MI 49444. Open Today: 9:00 am - 5:00 pm. Branch Details. Community …FREE. Teens between 13 and 17 years old 1. Competitive dividends on all balances of $100 or more. Special kid-centric features include: Punch card program; receive a $10 gift card upon filling your punch card. Free debit card available 2. Gift package upon account opening. Savings promotions. Birthday postcards. For more information on the benefits of membership in Family Financial Credit Union, stop by one of our four convenient locations or call 231.733.4600 or toll free 800.332.0779. MUSKEGON BRANCH 3575 Henry Street Muskegon, MI 49441 Best Financial CU 1888 EAST SHERMAN BLVD Muskegon, MI Michigan- Find ATM locations near you. Full listings with hours, fees, issues with card skimmers, services, and more info. Find Branches Branch spot. Banks & CUs ATMs Search Manage Listing. ATMs; Best Financial Credit Union; Best Financial Credit …Learn about working at Best Financial Credit Union in Muskegon, MI. See jobs, salaries, employee reviews and more for Muskegon, ... Browse 8 jobs at Best Financial Credit Union near Muskegon, MI. Full-time. Full Time Teller. Muskegon, MI. From $13 an hour. Easily apply. 1 day ago. View job. Full-time, Part-time. Best Financial Credit Union | 1888 East Sherman Boulevard, Muskegon, MI, 49444 | Full serivce Credit Union American First Credit Union offers a suite of savings products including a high-yield savings CD or money market. But is it right for you? The College Investor Student Loans, Inves... Get more information for Best Financial Credit Union in Muskegon, MI. See reviews, map, get the address, and find directions. Best Financial Credit Union. Sep 2022 - Present10 months. Muskegon, MI. • Underwrites 3-15 loans per week to reduce Credit Union revenue loss. • Analyzes Credit Reports, employment, residency ...423 customer reviews of Best Financial Credit Union. One of the best Credit Unions, Finance business at 1888 E Sherman Blvd, Muskegon MI, 49444 United States. Find Reviews, Ratings, Directions, Business Hours, Contact …Unauthorized use of this system is strictly prohibited and is subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S. Code Sec. 1001 and 1030.See 3 reviews and 27 photos of Best Financial Credit Union "As a teacher I joined when it was the Muskegon County Teachers Credit Union. Have used loan, savings, Home and Car Insurance, CD's and Credit Card services and have not a complaint. The only requirements I have needed to fulfill have been those necessary to secure the continued …Family Financial Credit Union in Muskegon, reviews by real people. Yelp is a fun and easy way to find, recommend and talk about what’s great and not so great in Muskegon and beyond. ... Your trust is our top concern, so businesses can't pay to alter or remove their reviews. Learn more about reviews. Username. Location. 0. 0.Best Financial Credit Union. 1888 E Sherman Blvd, Muskegon, MI. Main Office. Not Yet Rated. About. More. Edit listing. Routing # Services. Address: 1888 E Sherman Blvd. …North Muskegon Branch. 1798 Holton Road North Muskegon, MI 49445. Branch Details. The interactive map showcases all Family Financial branches located in and around the North Muskegon, making it easy for residents to find the nearest one and take advantage of …Personal. Checking & Savings. Checking. Free Checking No minimum balance or service fees.; Momentum Checking Earn up to 4.00% APY on balances up to $15,000 when you use your debit card.; Premier Checking Sizable dividends and easy access.; Select Checking Earn 3.50% APY on balances of $250,000 and ….