PLEASE READ!

VERY IMPORTANT

Debit card fraud continues to be a big time problem world wide.  It is growing by leaps and bounds.  Please keep a close eye on your account and keep your debit card in a safe place.  If you find anything suspicious, call one of our branches.   

If you are going to be out of the US and might use your debit card you must call us to keep transactions from being blocked.  Outside of the USA is where fraud is originating.  it does not matter if you personally have not been outside of the US, crooks are stealing  information as people use your card in the USA and then sell the information to someone overseas.  They duplicate the card and the rest is history.  We have no choice but to take these measures to protect your account and personal information. 

The credit union is also associated with FRAUDWATCH PLUS.   This system watches for suspicious activity related to your account 24/7.  It is possible that you could get a phone call from "Fraud Prevention Services" to confirm activity associated with your account.  If you have any questions, please call one of our offices. 

 PLUS

Remember that there are fraudulent Lottery Checks, fraudulent Cashier Checks, and fraudulent Money Orders everywhere, not to mention fraudulent deposits where someone is just trying to figure out someone's account number. 

IS THAT CHECK REAL?

OR COULD IT BE A CON JOB

http://www.fakechecks.org/

You might take just a minute to check it out!

DEBIT CARDS AND HOLDS

If you have used a debit card at a merchant, you have likely encountered a hold on funds in your account. When a merchant processes your transactions, one of two things happen.  The transaction may be drawn out of your account immediately or the merchant may send an authorization to the credit union placing funds in your account on hold. When and if the merchant actually processes the transaction correctly, the funds are withdrawn from your account and the funds are released. Many times the merchant does not process the transaction correctly and the hold remains on your account even after the funds have been withdrawn.   In effect they are not only taking your authorized amount of money, but leaving a hold on your account for a day or two which may cause you to "bounce" a check since the swiping of the card at the merchant and the processing of the transaction are two separate happenings.   Most employees of these merchants don't have a clue what is going on and want to blame the credit union.  However this is a merchant induced transaction and problem and the credit union has no recourse because you have authorized the merchant to have access to your account.