Gerber FCU provides financial services to residents and employees of Newaygo County and surrounding townships with two branches located in Fremont, Mich. and one in Newaygo, Mich. Visit www.GerberFCU.com for more information. About Mahalo. Mahalo Banking provides online and mobile banking solutions for credit unions.TROY, Mich., April 02, 2024--Mahalo Banking today announced that Gerber Federal Credit Union and THE LOCAL Credit Union are now live on its enhanced Thoughtful Banking platform.Gerber FCU Cash Card. Use your Gerber FCU Cash Card to access nearly 30,000 surcharge-free ATMs displaying the CO-OP ATM logo. In addition, you may use the Cash Card at any ATM displaying the Plus or Pulse logo. Click the CO-OP ATM logo below to find a surcharge-free ATM near you! Gerber Federal Credit Union ATM locations: REGISTRATION IS REQUIRED FOR THE ALL-NEW DIGITAL BANKING. Ensure your contact information is up to date including your mobile phone number and email address. If you need to make updates, call Member Service at (231) 924-4880, option 2, prior to digital banking registration. iOS and Android users will first need to delete your existing Gerber ... Please be aware, there are counterfeit Gerber FCU checks circulating. Enjoy Fast and Secure Checkouts. online and in-stores when you add your Gerber FCU cards to your mobile wallet! Do you know what to check if a Data Breach occurs? Online Banking. Access your Gerber FCU accounts anytime, anywhere with our secure and convenient online banking service. You can view your balances and transactions, transfer funds, pay bills, manage your budget, and more. Register for free and login with your member number and PIN. Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual Percentage Rate **APY=Annual Percentage YieldRefer a new Gerber FCU member and you'll both receive $25* when they open an account at Gerber FCU and perform one qualifying action within the first 45 days! Qualifying actions: Establish Direct Deposit to their new account. Open a Secured Loan. Open a Debit or Credit Card and perform 5 transactions. Ask your friend to mention your name when ...The leaders of Gerber FCU continue to monitor the latest updates regarding coronavirus disease (COVID-19). We want to reassure you that we’re here to help with any financial services you need during these difficult times. You can count on us to be there. ️ Here are a few tips to limit your exposure:Two credit unions implement digital platform to modernize banking services, adopt member-centric features TROY, Mich.–(BUSINESS WIRE)–#automation—Mahalo Banking, a CUSO that provides online and mobile banking solutions for credit unions, today announced that Fremont, Mich.-based Gerber Federal Credit Union (‘Gerber FCU’ – $225M in assets) … Find your nearest Gerber FCU branch with ease. Whether you're in the city or the suburbs, Gerber has conveniently located branches ready to serve you. Experience first-hand the personalized banking services offered. Extensive network of 3 branches. 4 ATMs available for quick cash withdrawal and deposits. Planning and Advice. Financial advisors at Gerber Federal Credit Union Investment Services can help you organize, understand, control and accumulate your wealth. Our licensed professionals will build customized strategies to assist you with specific financial goals such as funding educational needs or developing income distribution strategies ... Gerber FCU Cash Card. Use your Gerber FCU Cash Card to access nearly 30,000 surcharge-free ATMs displaying the CO-OP ATM logo. In addition, you may use the Cash Card at any ATM displaying the Plus or Pulse logo. Click the CO-OP ATM logo below to find a surcharge-free ATM near you! Gerber Federal Credit Union ATM locations:Gerber FCU Bill Pay makes it easy and convenient to handle all of your bill paying within an extremely secure online environment and best of all, it's FREE. Save time! It takes only minutes to pay your bills each month. You save time on trips to the post office and writing checks. Features such as recurring payments allow you to set up a ...The available rewards and point balances you can view may not apply to your program.Contact Us. Make Payment. Transfer Funds or Make Payment. Phone (231) 924-4880. Toll-Free (800) 338-3746. 24-Hour Card Support - Choose Option 2. Financial Reports(Charter #6832) Gerber FCU Routing #272480199. *APR=Annual Percentage Rate.FREMONT, MI (September 30, 2014) -- Gerber Federal Credit Union (Gerber FCU) is excited to announce a groundbreaking ceremony on Friday, October 17, 2014Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual Percentage Rate **APY=Annual Percentage YieldPhone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual Percentage Rate **APY=Annual Percentage YieldYou Belong At Gerber FCU! Membership is yours for a lifetime, regardless of retirement or changes in employment or residence.Explore the comprehensive Financial Performance Report (FPR) for Gerber Federal Credit Union. This in-depth financial statement offers a condensed overview of the credit union's financial position, based on data from the 3rd Quarter of 2023 NCUA Call Report (NCUA 5300 Report). From assets and liabilities to income and expenses, our financial ...Online Banking. Access your Gerber FCU accounts anytime, anywhere with our secure and convenient online banking service. You can view your balances and transactions, …Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual …We provide links to third party websites, independent from Upstate FCU. These links are provided only as a convenience. We do not manage the content of those sites.Use Gerber Federal Credit Union products and services and lower your loan rates by up to .75%! Loyal Member Discounts* give you a .125%** loan rate discount for each of the following products or services you use with Gerber FCU: Share Draft Account, Super Savings, Mortgage/Home Equity***, FREE Online Bill Pay, e-Statements with Gerber …Use Gerber Federal Credit Union products and services and lower your loan rates by up to .75%! Loyal Member Discounts* give you a .125%** loan rate discount for each of the following products or services you use with Gerber FCU: Share Draft Account, Super Savings, Mortgage/Home Equity***, FREE Online Bill Pay, e-Statements with Gerber …FREMONT, MI (May 3, 2021) — Gerber Federal Credit Union (Gerber FCU) today announced several promotions. Ellen Davis to Vice President – Human Resources, Heather Wiersema to Marketing Officer ...FREMONT, MI (April 10, 2024) — Phil Archer, Gerber Federal Credit Union (Gerber FCU) Senior Vice President & Chief Finance Officer, has announced his plan to retire in summer 2024. Phil came to ... 300 S Adams Street Newaygo, MI 49337. Open Today: 9:00 am - 5:00 pm. Branch Details. The interactive map showcases all Gerber branches located in and around the Newaygo, making it easy for residents to find the nearest one and take advantage of their services. The map above displays the locations of Gerber Federal locations in Newaygo, Michigan ... Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual Percentage Rate Cybercriminals continue to target shoppers with urgent phishing emails about their recent purchases. Two common post-shopping scams are fake shipping delays and unexpected purchase confirmations. Typically, these scams include a sense of urgency designed to catch you off guard in the hopes that you will click impulsively.Your loan stays with Gerber FCU, which means you make your payment with us; Gerber FCU makes all lending decisions; Variety of payment options: Auto transfer, mobile or online banking, nearest branch, mail or by phone. Will finance up to 80% LTV; Flexible terms 15, 20 and 30 years available (30 year term does have a 3, 5 or 7 year balloon) Rates subject to change without notice. *** Loyal Member Discounts for Fixed Home Equity and Vacant Land loans are limited to: 60 Month term - .75% maximum. 61 to 120 months - .50% maximum. 121 to 180 months - .25% maximum. ****Annual Percentage Rate based on credit history. Subject to change without notice. Feb 23, 2005 · The routing number can be found on your check. The routing number information on this page was updated on Mar. 25, 2024. Check Today's Mortgage/Refi Rates. Bank Routing Number 272480199 belongs to Gerber Federal Credit Union. It routing both FedACH and Fedwire payments. Gerber Federal Credit Union, Fremont, Michigan. 4,272 likes · 91 talking about this · 103 were here. For timely concerns, please contact Member Service...Mahalo Banking, a CUSO that provides online and mobile banking solutions for credit unions, announced that Fremont, Mich.-based Gerber Federal Credit Union (‘Gerber FCU’ – $225M in assets) and Sterling Heights, Mich.-based THE LOCAL Credit Union (‘THE LOCAL’ – $100M in assets) are now live on its enhanced Thoughtful …Enter your account password & answer the security question to sign in. Password-Back Sign InNow you can 3D print a quality and professionally designed a fully funtional A320 FCU at your home. You just need a 3D printer, or you can outsource of course. The 3D printed panels are backlighted too!! With our design, we carefully designed for easy printing and minimal supports.The Gerber FCU routing number is 272480199. For savings account deposits, use your 7 digit member number & check the appropriate box to indicate ‘Savings’. If your member number is not 7 digits, add zeros to the beginning. For checking account deposits please use the middle set of 8 numbers from the bottom of your check including any zeros.As a Gerber FCU member, you can get a credit report every 90 days at www.GerberFCU.com. Click ‘ID Protect’ under the Plan tab. (If you have never registered, contact Member Service for an access code.) Also, under federal law you are entitled to a copy of your credit report every twelve months. To obtain a free credit report go to www ...At Gerber FCU, share accounts that have been dormant for 3 years are transferred to the state listed in the member’s address to comply with Michigan law. At Gerber FCU, we take exhaustive measures to contact our members prior to sending accounts to the state. This makes it essential to have updated addresses and phone …Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual Percentage Rate **APY=Annual Percentage YieldGerberfcu.com has yet to be estimated by Alexa in terms of traffic and rank. Moreover, Gerber Fcu has yet to grow their social media reach, as it’s relatively low at the moment: 2 Google+ votes. There is still a lack of data on safety and reputation of this domain, so you should be very careful when browsing it. Contact the credit union at (231) 924-4880. Checking Accounts (Share Draft) - Manage your daily finances with convenient checking accounts. According to the NCUA Gerber Federal Credit Union has 11,322 checking accounts held by members. Free Share Drafts / Free Checking - Benefit from free share drafts with special checking account services. Gerber Federal Credit Union | 255 followers on LinkedIn. Founded Here. Growing Here. | Gerber Federal Credit Union was founded here in Michigan, and we’re focused on growing here. Upon joining ...Completed entries may be emailed to [email protected], hand delivered to one of our branches or mailed to: ATTN: Scholarship Committee Gerber Federal Credit Union PO Box 116 Fremont, MI 49412. Entries must be received no later than February 16, 2024. Winners will be notified by phone in March. ESSAY TIPS: Be … Gerber FCU Investment Services. Phone: (231) 924-4880 option 5. Email: [email protected]. Visa Travel Money Card. Foreign Currency. Reorder Checks Online. Phone (231) 924-4880. Toll-Free (800) 338-3746. 24-Hour Card Support - Choose Option 2. Financial Reports(Charter #6832) Gerber FCU Routing #272480199. *APR=Annual Percentage Rate. Security. Personal protection and peace of mind. Includes detection and monitoring, credit report and score, recovery and resolution. Register Now. Spot identity theft early. Review your credit reports. Suspicious activity or accounts you don't recognize can be signs of identity theft. Review your credit reports to catch problems early. Gerber FCU Investment Services. Phone: (231) 924-4880 option 5. Email: [email protected]. Security. Personal protection and peace of mind. Includes detection and monitoring, credit report and score, recovery and resolution. Register Now. Spot identity theft early. Review your credit reports. Suspicious activity or accounts you don't recognize can be signs of identity theft. Review your credit reports to catch problems early. On Monday, January 8th, our current online banking platform & mobile app will be upgraded to the all-new Gerber FCU Digital Banking! Make sure you're...Happy Prime Day! ️ Before you shop, be sure to add your Gerber FCU card as your default payment methodTwo credit unions implement digital platform to modernize banking services, adopt member-centric features. Mahalo Banking, a CUSO that provides online and mobile banking solutions for credit unions, today announced that Fremont, Mich.-based Gerber Federal Credit Union (‘Gerber FCU’ – $225M in assets) and Sterling Heights, Mich. …Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual Percentage Rate **APY=Annual Percentage Yield Credit Cards. Credit Cards. Credit Card Agreement. Phone (231) 924-4880. Toll-Free (800) 338-3746. 24-Hour Card Support - Choose Option 2. Financial Reports(Charter #6832) Gerber FCU Routing #272480199. *APR=Annual Percentage Rate. 300 S Adams Street Newaygo, MI 49337. Open Today: 9:00 am - 5:00 pm. Branch Details. The interactive map showcases all Gerber branches located in and around the Newaygo, making it easy for residents to find the nearest one and take advantage of their services. The map above displays the locations of Gerber Federal locations in Newaygo, Michigan ... Our all-new Digital Banking is here! Watch this video for step-by-step directions to get started As always, we're happy to help! Stop in or give us a call at (231) 924-4880, option 2, if you are experiencing any difficulties.Contact the credit union at (231) 924-4880. Checking Accounts (Share Draft) - Manage your daily finances with convenient checking accounts. According to the NCUA Gerber Federal Credit Union has 11,322 checking accounts held by members. Free Share Drafts / Free Checking - Benefit from free share drafts with special checking account services.Gerber FCU change your Password immediately. Refer to the Electronic Fund Transfer Agreement in your Membership Disclosure for liability information. Member Service Information - Questions regarding the Service(s), should be directed to Gerber FCU, Member Service, (231) 924-4880 local,Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual …Up your financial literacy game. As part of our commitment to your financial well-being, we’re introducing Zogo! A fun and engaging way to learn financial literacy. Just download the app, play through the short modules, and earn $5, $10 and $15 gift cards from your favorite brands. Play through 300+ bite-sized modules. Contact Gerber FCU in Newaygo. Location: Newaygo Branch. Address: Gerber FCU Newaygo Branch 300 S Adams Street Newaygo, MI 49337 ( Map) Phone Number: (231) 924-4880. Toll-Free: (800) 338-3746. Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual …As part of our commitment to your financial well-being, we’re offering our members Zogo! A fun and engaging way to learn financial literacy. Just download the app, play through the short modules, and earn $5, $10 and $15 gift cards from your favorite brands. Play through 300+ bite-sized modules. Earn points by completing each education module.TROY, Mich., April 02, 2024--Mahalo Banking today announced that Gerber Federal Credit Union and THE LOCAL Credit Union are now live on its enhanced Thoughtful Banking platform.Scams: Israel-Hamas War. The recent Israel-Hamas war has made headlines worldwide. As usual, cybercriminals have been quick to take advantage of the dreadful news. Cybercriminals often use high-profile news events for disinformation campaigns, which include false information designed to intentionally mislead you.Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual Percentage Rate **APY=Annual Percentage YieldThe Gerber FCU routing number is 272480199. For savings account deposits, use your 7 digit member number & check the appropriate box to indicate ‘Savings’. If your member number is not 7 digits, add zeros to the beginning. For checking account deposits please use the middle set of 8 numbers from the bottom of your check including any zeros. Free Gerber FCU/Co-Op ATM use; Free online access with Gerber FCU digital banking; Deposits are Federally insured up to $250,000; Super Savings Accounts. Higher dividend earned when you maintain a minimum average balance of $1,000 for the month; Free online access with Gerber FCU digital banking; Deposits are Federally insured up to $250,000 GERBER FEDERAL CREDIT UNION. Dec, 31, 2023 — GERBER FEDERAL CREDIT UNION is a federal credit union headquartered in FREMONT, MI with 3 branch locations and about $225.83 million in total assets. Opened 74 years ago in 1950, GERBER FEDERAL CREDIT UNION has about 15,837 members and employs 46 full and part …Gerber Federal Credit Union's Mobile Teller app provides easy and secure access to your Gerber FCU accounts from your iOS device. Mobile Teller is a free service offered to all Gerber Federal Credit Union members. View your account information and transaction history, transfer funds, deposit a che…Gerber FCU Mobile Pay Support (231) 924-4880 Option 2. Apple Pay - Learn More. Access. Digital Banking; Digital Banking Help; Audio Banking; Bill Pay; Apple Pay; Google Pay; Direct Deposit Info; Coin Counting Machine; Wire Transfers; Disclosures & Forms; Phone (231) 924-4880 Toll-Free (800) 338-3746 Planning and Advice. Financial advisors at Gerber Federal Credit Union Investment Services can help you organize, understand, control and accumulate your wealth. Our licensed professionals will build customized strategies to assist you with specific financial goals such as funding educational needs or developing income distribution strategies ... The leaders of Gerber FCU continue to monitor the latest updates regarding coronavirus disease (COVID-19). We want to reassure you that we’re here to help with any financial services you need during these difficult times. You can count on us to be there. ️ Here are a few tips to limit your exposure:Online Banking. Access your Gerber FCU accounts anytime, anywhere with our secure and convenient online banking service. You can view your balances and transactions, …Welcome to MyLoanInsurance.com. Evidence of Insurance is required as a condition of your loan agreement. You may use this secure site to submit proof of insurance, check the status of your insurance or view insurance history. You can also find answers to the most commonly asked insurance questions. If you received notification from us ... Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual Percentage Rate Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual Percentage Rate **APY=Annual Percentage YieldMahalo Banking, a CUSO that provides online and mobile banking solutions for credit unions, today announced that Fremont, Mich.-based Gerber Federal Credit Union ('Gerber FCU' -- $225M in assets ...Trust Services. Credit Union Trust provides professional trust and investment services to help you and your family create, protect, maximize, and preserve your assets. The Credit Union Trust team lives the philosophy of “people helping people,” every day. Credit Union Trust is here to share information, answer questions, and help you take ...Please be aware, there are counterfeit Gerber FCU checks circulating. Enjoy Fast and Secure Checkouts. online and in-stores when you add your Gerber FCU cards to your mobile wallet! Do you know what to check if a Data Breach occurs?Ao menos 18 universidades federais, centros de educação tecnológicas e institutos federais entraram em greve nesta segunda-feira (15). Entre as 67 instituições …Welcome to Gerber FCU! Do more with our Gerber FCU app. The Gerber FCU app allows you to: -Sign in with Face ID or Touch ID. -Use Quick Balance to view account balances without signing in. -View Quick Balance on your Apple Watch. -Transfer funds between accounts. -View account balances and transactions. -Make loan payments.TROY, Mich., July 26, 2023--Gerber Federal Credit Union has partnered with Mahalo Banking to offer member-centric features and streamline banking service processes.Please be aware, there are counterfeit Gerber FCU checks circulating. Enjoy Fast and Secure Checkouts. online and in-stores when you add your Gerber FCU cards to your mobile wallet! Do you know what to check if a Data Breach occurs?Welcome to MyLoanInsurance.com. Evidence of Insurance is required as a condition of your loan agreement. You may use this secure site to submit proof of insurance, check the status of your insurance or view insurance history. You can also find answers to the most commonly asked insurance questions. If you received notification from us ...Gerber Federal Credit Union's Mobile Teller app provides easy and secure access to your Gerber FCU accounts from your iOS device. Mobile Teller is a free service offered to all Gerber Federal Credit Union members. View your account information and transaction history, transfer funds, deposit a che…Email. Password. Remember me Forgot your password?We provide links to third party websites, independent from Upstate FCU. These links are provided only as a convenience. We do not manage the content of those sites.
Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual …. Ladyboykisses
Apply Now. Log in to Gerber FCU digital banking to apply now, or complete the Platinum Preferred Credit MasterCard Application and send by secure message on our Contact Us page, fax to (231) 924-6686, drop off to one of our convenient locations or return by mail using the address on the application. Credit MasterCard Application.Gerber FCU Bill Pay makes it easy and convenient to handle all of your bill paying within an extremely secure online environment and best of all, it's FREE. Save time! It takes only minutes to pay your bills each month. You save time on trips to the post office and writing checks. Features such as recurring payments allow you to set up a ...Gerber Federal Credit Union's Mobile Teller app provides easy and secure access to your Gerber FCU accounts from your iOS device. Mobile Teller is a free service offered to all Gerber Federal Credit Union members. View your account information and transaction history, transfer funds, deposit a che… Gerber Federal Credit Union was founded in 1950, and today provides financial services to residents and employees of Newaygo County and surrounding townships. Individuals and businesses are eligible for membership with Gerber Federal Credit Union if you live, work, worship, volunteer or attend school in: Newaygo County, Michigan, or the ... Two credit unions implement digital platform to modernize banking services, adopt member-centric features TROY, Mich.–(BUSINESS WIRE)–#automation—Mahalo Banking, a CUSO that provides online and mobile banking solutions for credit unions, today announced that Fremont, Mich.-based Gerber Federal Credit Union (‘Gerber FCU’ – $225M in assets) …Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual …Visa Travel Money Card. Foreign Currency. Reorder Checks Online. Phone (231) 924-4880. Toll-Free (800) 338-3746. 24-Hour Card Support - Choose Option 2. Financial Reports(Charter #6832) Gerber FCU Routing #272480199. *APR=Annual Percentage Rate. Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual Percentage Rate Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual Percentage Rate Gerber Federal Credit Union (‘Gerber FCU’ – $225M in assets) has partnered with Mahalo Banking, a CUSO that provides premier online and mobile banking solutions for credit unions, to offer member-centric features and streamline banking service processes for its members.. Gerber FCU is leveraging Mahalo’s banking platform to …Averages 42 mpg. Currently available for viewing at our Main Street Branch. Taking Bids through Noon November 6, 2023. All bids must be placed in a sealed envelope with the date, time, and description of the vehicle when they are submitted. Submit bids to: Gerber FCU Member Solutions. P.O. Box 116, Fremont, MI 49412.Phone (231) 924-4880 Toll-Free (800) 338-3746 24-Hour Card Support - Choose Option 2 Financial Reports (Charter #6832) Gerber FCU Routing #272480199 *APR=Annual Percentage Rate **APY=Annual Percentage YieldGerber FCU does not charge a fee for mobile banking. However, third party message and data rates may apply. A supported mobile device is needed to use the Mobile Teller App. Use of the Mobile ...Refer a new Gerber FCU member and you'll both receive $25* when they open an account at Gerber FCU and perform one qualifying action within the first 45 days! Qualifying actions: Establish Direct Deposit to their new account. Open a Secured Loan. Open a Debit or Credit Card and perform 5 transactions. Ask your friend to mention your name when ...Gerber Federal Credit Union | 255 followers on LinkedIn. Founded Here. Growing Here. | Gerber Federal Credit Union was founded here in Michigan, and we’re focused on growing here. Upon joining ....