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The shares in your credit union are insured by the National
Credit Union Share Insurance Fund (NCUSIF), which is backed by
the full faith and credit of the United States Government.
Properly established member accounts in federally insured credit
unions are insured up to the Standard Maximum Share Insurance
Amount (SMSIA). The basic insurance amount is $250,000 per
individual account holder, per federally insured credit union.
This includes principal and posted dividends up to a total of
$250,000. Joint account holders are insured up to $250,000 per
joint account holder, per federally insured credit union. For
example, an account with two joint account holders is insured
for $500,000 separately from the holders’ individual accounts.
This includes principal and posted dividends. IRA and KEOGH
accounts are insured, separate from other accounts, up to
$250,000 per institution, including principal and posted
dividends.
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All funds in a “noninterest-bearing transaction account” are
insured in full by the National Credit Union Administration
through December 31, 2012. This temporary unlimited coverage is
in addition to, and separate from, the coverage of at least
$250,000 available to members under the NCUA's general share
insurance rules. The term “noninterest-bearing transaction
account” includes a traditional share draft account (or demand
deposit account) on which the insured credit union pays no
interest or dividend. It does not include any transaction
account that may earn interest or dividends, a negotiable order
of withdrawal (“NOW”) account, money-market deposit account, and
Interest on Lawyers Trust Account (“IOLTA”), even if share
drafts may be drawn on the account.
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For
more information on NCUA Share Insurance Fund go to:
http://www.ncua.gov/DataApps/Pages/SI-Tools.aspx
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IMPORTANT PHONE NUMBERS:
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If you feel that your information has been compromised, please
contact the Services Center FCU during regular business hours at
1-800-491-4309 or 605-665-4309.
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If your feel your VISA debit/credit card information has been
compromised please contact the Credit Union during regular
business hours at 1-800-491-4309 or 605-665-4309. VISA’s 24-Hour
hotline is reached by calling 1-800-543-5073.
Fraud
continues to evolve as consumer’s knowledge and awareness of fraud
techniques increase. The purpose of e-mail fraud is to get the
consumer to provide confidential information, such as account
numbers, passwords and social security numbers. The perpetrator then
uses this information to gain access to the consumer’s bank and
credit card accounts. To keep you informed, below is information on
the three common forms of e-mail fraud: phishing, vishing and
smishing.
Phishing was the
earliest form of the e-mail scam. An e-mail is sent to the consumer,
which appears to be from a legitimate company or financial
institution.
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The e-mail generally states an urgent response is necessary to
keep an account from being blocked.
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The e-mail asks the user to verify personal information, such as
account number, SSN, card number or personal identification
number (PIN), card expiration date, or card security code.
Vishing
soon followed phishing. This term is a combination of “phishing”
with “voice,” because the fraud is initiated via telephone and/or
e-mail. A vishing request can be received in two ways:
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The consumer receives a telephone call claiming to be from a
financial institution or other legitimate company, calling to
verify personal information (just as in phishing scams.
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The consumer receives an e-mail or automated telephone call,
requesting an urgent response or their account will be blocked.
The notification refers to a phone number that when called, asks
for personal information (card number, account number, PIN,
etc.). Many members are accustomed to entering this information
in MATTI (Members’ Automated Teller Transaction Inquiry), so
they aren’t alarmed when asked in this situation.
Smishing
is the newest form of this scam. This term is a combination of
“phishing” with “short message service (SMS)” and is initiated via
text message. Smishing can occur when:
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The consumer receives a text message on a cell phone or other
mobile access device, confirming enrollment in a dating service
(or other company) and stating the user will be charged $2 per
day unless the order is cancelled. Once the recipient clicks to
cancel the order, a Trojan horse virus is downloaded that allows
the criminal access to the mobile device. This enables the
criminal to listen to calls and access information stored on the
phone.
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The consumer receives a text message stating an account is in
danger and prompts the recipient to respond by verifying
personal information.
As
these scams gain media attention, fewer people are willing to
respond. Unfortunately, the criminals continue to use technology to
find new ways to attempt to steal personal information.
REMEMBER:
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Services Center FCU may ask you to verify your contact
information (mother’s maiden name, mailing address, phone
numbers, and email address through phone or regular mail, but
NEVER through email. The Credit Union will NEVER ask
for your: full debit or credit card information, IT’s ME 247
(online banking) password/security questions, PIB security
settings, or your CU*TALK (audio response) PIN.
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The Services Center FCU may contact through email, regular mail
or by phone to notify you of questionable activity on your
account(s) or for other Credit Union related activities.
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A
Services Center FCU employee, a Falcon Alert Representative or a
Falcon automated system may contact you to verify suspicious
activity on your VISA debit or credit card. A verification
process can be done to prove the identity of the member being
called, but NEVER will you be asked to provide the full
debit/credit card number, expiration date, PIN, or CVV
(three-digit security code).
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If you feel that your Credit Union account information has been
compromised, please contact the Services Center FCU during
regular business hours at 1-800-491-4309 or 605-665-4309.
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If your feel your VISA debit/credit card information has been
compromised please contact the Credit Union during regular
business hours at 1-800-491-4309 or 605-665-4309. VISA’s 24-Hour
hotline is reached by calling 1-800-543-5073.
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It is VERY important that your mailing address, email address,
home, work and cell phone numbers are current and up to date on
all your Credit Union accounts. You can submit changes by
logging into your It’s ME 247 (online banking) account, under
Preferences, or you can stop by one of our physical locations in
Yankton, Springfield or Parkston.
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Services Center FCU may ask you to verify your contact
information (mother’s maiden name, mailing address, phone
numbers, and email address through phone or regular mail, but
NEVER through email. The Credit Union will NEVER ask for your:
full debit or credit card information, IT’s ME 247 (online
banking) password/security questions, PIB security settings, or
your CU*TALK (audio response) PIN.
-
The Services Center FCU may contact through email, regular mail
or by phone to notify you of questionable activity on your
account(s) or for other Credit Union related activities.
-
A
Services Center FCU employee, a Falcon Alert Representative or a
Falcon automated system may contact you to verify suspicious
activity on your VISA debit or credit card. A verification
process can be done to prove the identity of the member being
called, but NEVER will you be asked to provide the full
debit/credit card number, expiration date, PIN, or CVV
(three-digit security code).
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If you feel that your Credit Union account information has been
compromised, please contact the Services Center FCU during
regular business hours at 1-800-491-4309 or 605-665-4309.
-
If your feel your VISA debit/credit card information has been
compromised please contact the Credit Union during regular
business hours at 1-800-491-4309 or 605-665-4309. VISA’s 24-Hour
hotline is reached by calling 1-800-543-5073.
-
It is VERY important that your mailing address, email address,
home, work and cell phone numbers are current and up to date on
all your Credit Union accounts. You can submit changes by
logging into your It’s ME 247 (online banking) account, under
Preferences, or you can stop by one of our physical locations in
Yankton, Springfield or Parkston.
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As of January 1, 2012, Savings Bonds
will no longer be sold at Financial Institutions or by mail order.
If you would like to purchase savings bonds go to where you can
purchase, manage, and redeem electronic savings bonds online.
Electronic savings bonds are secure and convenient to manage in a
Treasury Direct account, and you will no longer have to worry about
storing, misplacing, or losing paper savings bonds. In addition,
with a Treasury Direct account, members can purchase electronic
savings bonds as gifts and convert paper savings bonds to electronic
ones. If you are currently holding paper savings bonds, you can
continue to redeem them at financial institutions.
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Nationwide
Mortgage Licensing System & Registry (NMLS)
The NMLS Federal Registry was created
at the direction of federal banking regulators to fulfill the
registration requirement of federally chartered or insured
institutions and their mortgage loan originators in compliance with
the Consumer Financial Protection Bureau’s rules and the Secure and
Fair Enforcement for Mortgage Licensing Act (“SAFE Act”).
As part of the Final Rule implementing
the SAFE Act’s federal registration requirement, the federal banking
agencies and Farm Credit Administration specified certain
information provided to the NMLS Federal Registry be made publicly
available.
This information is publicly viewable
through NMLS Consumer Access. NMLS Consumer access is a fully
searchable website that allows the public to view information
concerning companies and individuals licensed or registered through
NMLS.
Use the link below to view the NMLS
Consumer Access website.
http://www.nmlsconsumeraccess.org/
NMLS Registration
Numbers
Services Center FCU NMLS#408529
Laurie Warfel NMLS#417494
Jan Putnam NMLS#417554
Fonda Lacey NMLS# 873274
Shannon Hagen NMLS#800145
Judy Jackson NMLS#417563 |
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