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 NIOSH ATM MACHINE
As you know, we have experienced some delays in getting the ATM up and running at our NIOSH branch. Those issues have been resolved and testing on the machine will occur in early January. We plan on having the machine up and running in February 2009. Stay tuned for further updates.
 HAVE YOU MOVED OR PLAN ON MOVING????
Don't forget to contact the Credit Union and update your address and your primary contact information. This will ensure that you receive any correspondence in a timely manner. If you have a PO Box, please bring a utility bill to the Credit Union office to show your physical address, a copy will be kept in your file.
REMINDER!!
CHECK 21 SPEED CHECKING
SINKS YOUR FLOAT.........
If you don't have it, don't write it. if you think you can get away with a little float. think again. You know what float is, you write a check today hoping it won't be deducted from your account for a couple of days. That thinking won't necessarily work anymore. The Check Clearing for 21st Century act (Check 21) has been in effect now since October 28, 2004. Now checks written on an account that use to take days to clear will possibly clear within hours. Members need to think about wheather they need to change their checking habits. To find out more information on this Act stop by the Credit Union for the Check 21 pamphlet.
Share Draft Account Reminder
Overdraft protection is offered on your share draft (03) account. However, there are limitations due to Regulation D.
Each member is only allowed to have six (6) automatic transfers per month, with out being charged a fee. automatic transfers include the following:
Overdraft protection
Flex Teller (on-line)
ARU phone system transfers
If a member has an overdraft after the sixth (6th) automatic transfers the member will be charged the Overdraft NSF fee.
FREE ANNUAL CREDIT REPORT
West Virginia residents are eligible for a free annual credit report beginning September 1, 2005 The Fair and Accurate Credit Transactions Act of 2003(FACTA) allows consumers to request a free credit report, once every 12 months. Consumers have three options to obtain the free report:
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Toll Free: 877-322-8228
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By mail: Annual Credit Report Request Service
P.O. Box 105281 Atlanta, GA 30328-5281
The annualcreditreport.com is the only authorized source for consumers to access their credit reports online for free. Consumers are advised not to respond to email scams that ask you for your account number, credit card number, and personal identification numbers relating to obtaining a free credit report. E-mail messages that ask for this type of information are fraudulent, and should be reported immediately. Formal complaints concerning any suspected fraudulent e-mail should be filed with the Internet Fraud Complaint Center (IFCC) click here for more information.
Consumers are encouraged to view their credit reports regularly to check for inaccuracies or signs of identity theft. For information on how to dispute any errors, the Federal Trade Commission has published a brochure, Your Access to Free Credit reports. You can get a copy of this brochure by clicking here.
TIPS TO REDUCE YOUR CHANCES OF CREDIT /DEBIT CARD FRAUD!
DO:
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Shred all personal and financial information-such as bills, bank statements, ATM receipts and credit card offers-before you throw it away.
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Keep your personal documentation ( e.g. , birth certificate. Social Security card ect.) and your bank and credit card records in a secure place.
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Call the post office immediately if you are not receiving your mail. to get the personal information needed to use your identity, a thief can forge your signature and have your mail forwarded.
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Be aware of your surroundings when entering your Personal Identification Number (PIN) at an ATM.
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Limit the number of credit cards and personal information that you carry in your wallet or purse.
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report lost or stolen credit / debit cards immediately.
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Review and consider wheather you need currently inactive card accounts. Even when not being used, these accounts appear on your credit report, which is accessible to thieves. If you have applied for a credit card and have not received the card in a timely manner, immediately notify the appropriate financial institution.
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Closely monitor the expiration dates on your credit cards. contact the credit issuer if the replacement card is not received prior to your credit card's expiration date.
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Sign all new credit / debit cards upon receipt.
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review your credit repots annually.
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Use passwords on your credit cards, bank accounts and phone cards. avoid using the obvious passwords- your mother's maiden anme, your birth date, or last four digits of your Social Security or phone number.
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Match your credit card and debit receipts against monthly bills and statements to make sure there are no unauthorized charges.
DON'T
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Volunteer any personal information when you use your credit card.
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Give your Social Security number, credit / debit card number or any bank account details over the phone unless you have initiated the call and know that the business that you are dealing with is reputable.
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Leave receipts at ATMs, bank counters or unattended gasoline pumps.
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Leave envelopes containing your credit card payments or checks in your home mailbox for postal carrier pickup.
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Record your Social Security number or passwords on paper and store them in your wallet or purse. Memorize your numbers and/or passwords.
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Disclose bank account numbers, credit card account numbers or other personal financial data on any Web site or online service location, unless you receive a secured authentication key from your provider.
 UPDATED PHONE SYSTEM
The credit Union is pleased to announce we now have an updated phone system. The new system will make the main office more efficient for the member service representatives in handling phone calls, and will be more convenient for our members when calling the Credit Union. Members will be able to have direct access to member service, accounting, assistant manager and the manager. The new system called the Audio Attendant is an audio response system that has four selections to chose from. When you call the credit union you will hear the following options:
* Member Service - Press 1
Use this option for general questions on your account, to make transfers, cover overdrafts, apply for a loan
* Accounting - Press 2
Use this option to speak directly to Karen Mason.
* Assist. Manager/ Loan Officer - Press 3
Use this option to speak directly to Patty Weimer orif you have a question about your loan decision
* Manager/Loan Officer- Press 4
Use this option to speak directly to David Rice or if you hvae a question about your loan decision.
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