ALERT - ALERT - ALERT
LETTER TO CREDIT UNION MEMBERS – Debit Card Fraud
UP DATE FROM THE CALHOUN COUNTY SHERIFF---
Calhoun County Sheriff's Office
May 13, 2013
Important Notification from Mapco Convenience Stores:
Security Breach Press Release
At MAPCO, we care about our customers and respect their privacy. We want to alert you that we have experienced a security breach by third-party hackers that may have compromised the credit/debit card information of certain MAPCO customers. We truly regret any inconvenience this may have caused you and we have implemented further security measures designed to prevent these incidents in the future.
________________________________________
Important Security Announcement
to our Credit and Debit Card Customers
If you used a credit or debit card to make a payment within the MAPCO Express, Inc. family of retail fuel and convenience stores, we want to alert you to a payment card information breach that may have exposed your credit or debit card information. These stores include MAPCO Express®, MAPCO Mart®, East Coast®, Discount Food Mart™, Fast Food and Fuel™, Delta Express®, and Favorite Markets® locations in Tennessee, northern and central Alabama, Arkansas, northern Georgia, Kentucky, northern Mississippi, and Virginia.
Third party hackers used malware to access the payment card processing systems in our stores between March 19-25, April 14-15, and April 20-21, 2013. These systems transmit certain card information needed for the approval of transactions. The hackers may have stolen information that could potentially be used to initiate fraudulent credit and debit card transactions.
Although it is not clear if any of your card information was stolen, we wanted to notify you about this criminal activity. As soon as we learned of the malware, we took steps to disable the malware and further strengthen the security of our payment card processing systems. We also began working with a nationally-recognized computer forensics investigation firm and the payment card associations to determine exactly what happened and what information may have been compromised. We are cooperating with federal law enforcement, including the FBI’s Joint Cyber Crime Task Force, to find the third party hackers responsible for this crime. We are providing this notice to you after law enforcement advised that notice would not impede their criminal investigation.
If you suspect that your card information may have been compromised, you should immediately contact your bank, credit union, or credit or debit Card Company. In all cases, we advise you to remain vigilant by reviewing your account statements and monitoring your credit reports. Even though we have implemented internal security controls to contain any data loss, any card information that was already accessed by the hackers could still be used to initiate fraudulent transactions.
Please see the Important Disclosures linked below and call us for further information and assistance at 1 877 297 2081 Monday through Friday 7 a.m. to 10 p.m. Central Time and on Saturday and Sunday from 8 a.m. to 4 p.m. Central Time. Please refer back to this site from time to time for updates as we continue our investigation into this crime.
We value your business and take the security of your payment card information very seriously. We sincerely apologize for any inconvenience this incident may cause you.
Fort McClellan Credit Union Members---
In order to stabilize the affected accounts and the amounts, the Credit Union is attempting to contact all members whose Debit/ATM Card Account has been compromised and arrange for blocking the accounts and/or issuing new Cards.
Everyone is urged to check their accounts regularly and check your statements immediately. And immediately report any unauthorized transactions to the Credit Union and the Law Enforcement agency in your jurisdiction.
We apologize for any inconvenience this may cause, especially when attempting to use the Debit Card and your account has been “blocked” due to suspicious transactions and we’ve not been able to contact you. The Credit Union processes are an attempt to protect your account as well as Credit Union assets.
ScoreMore With ScoreCard Rewards
IN ADDITION TO REWARD POINTS WHEN YOU USE YOUR MASTERCARD OR VISA, YOU NOW MAY INCREASE THE REWARDS BY—
REWARDING YOURSELF MORE WITH ScoreMores’ BONUS POINTS!
Earn Bonus Points Today with your Rewards Card On-line and In-store.
Find out how to ScoreMore! www.scorecardrewards.com. With ScoreCard Rewards you can redeem your Bonus Points for Merchandise and Travel rewards.
Earn more Bonus Points at Retailers Like These and More!
Walmart.com
Disney Store
JC Penney
Macy’s
Microsoft Store
NutriSystem, Inc.
Omaha Steaks
Saks Fifth Avenue
Victoria’s Secret
!-800-FLOWERS.COM
Our ScoreMore Network is growing fast. For a list of participating retailers, check out our ScoreMore Mall online at scorecardrewards.com.
DON'T DELAY! GO DIRECT TODAY!!
Act Now to Electronic Payment Rule for Social Security & Other Federal Benefits
With just under a month remaining until the March 1, 2013 transition to all electronic-federal benefit payments, the U.S. Department of the Treasury reports that Alabama seniors and other federal benefit recipients are still receiving more than 112,000 paper checks each month and have yet to switch to direct deposit or the Treasury-recommended Direct Express® Debit Mastercard®.* And with tax season upon us, if you’re accustomed to getting your tax refund via check, you will be affected as well.
Remedy the problem by signing up for direct deposit and have your refunds and payments sent electronically to your Fort McClellan Credit Union account. Direct deposit is faster and safer. You don’t put yourself at risk of having your check stolen, and it saves you the worry if you’re prone to misplacing your check.
Going from Paper to Electronic Payment is Easy
1. Check recipients can sign up for direct deposit or the Direct Express® card by calling toll-free 1-800-333-1795, visiting www.GoDirect.org, or talking to their local federal paying agency office. By taking the few minutes to gather the necessary information ahead of time, most federal benefit recipients can sign up for electronic payments with one phone call that takes 10 minutes or less.
2. You will need your Social Security number or claim number, your 12-digit federal benefit check number and the amount of your most recent federal benefit check. If choosing direct deposit, you also will need our routing transit number (262287360), your account number and account type (checking or saving).
3. You may also visit one of our branch offices for assistance in signing up for direct deposit.
4. There are no sign-up fees or monthly fees to receive benefits electronically.
Anyone already receiving federal benefit payments electronically will continue to receive their money as usual on their payment day. No action is required.
This is a government rule, so don’t wait until the last minute. Switching to electronic payments will save paper and money and time for you. Make the switch today.
CREDIT UNION CLOSING SCHEDULE FOR 2013
THIS SCHEDULE IS SUBJECT TO CHANGE AT THE DISCRETION OF THE BOARD OF DIRECTORS
Tuesday January 1, 2013 New Year’s Day
Monday January 21, 2013 Martin Luther King, Jr. Day
Monday February 18, 2013 Presidents’ Day
Tuesday April 23, 2013 Close at 4.30 p.m. Credit Union Annual Meeting
Roanoke & Centre Close at 4:00 p.m.
Monday May 27, 2013 Memorial Day
Thursday July 4, 2013 Independence Day
Monday September 2, 2013 Labor Day
Monday October 14, 2013 Columbus Day
Monday November 11, 2013 Veterans’ Day
Thursday November 28, 2013 Thanksgiving Day
Tuesday December 24, 2013 Christmas Eve Close at 2:00 p.m.
Wednesday December 25, 2013 Christmas Day
Tuesday December 31, 2013 New Year’s Eve & Year End Processing Close at 1:00 p.m.
Wednesday January 1, 2014 New Year’s Day
Holiday Policy: When a holiday falls on Saturday, the preceding Friday is a normal Federal Reserve Bank business day; however, the Federal Reserve will be closed the following Monday for a holiday that falls on Sunday. Credit Union offices will observe these same work days unless notice otherwise is given.
NOTICE ALERT-- VISA NETWORK CHANGES
VISA has announced new changes within their network processing when it comes to pumping fuel for your cars. In the past, if you selected credit at the pump, a $1.00 hold would show on your account and the charge would come out within approximately two days. The changes by VISA that are to take affect by August 23, 2012 will put up to $125.00 pledge per gas purchase on your account. This is a VISA mandate and not something we can option out of.
In order to not be inconvenienced with the extra holds, we recommend you select debit at the pump and use your pin number. That will allow the transaction to come out of your account at the time of the gas purchase for the exact amount of the transaction, no holds for amounts greater than your purchase.
If the select Debit option is not available at the pump, you may consider prepayment inside, or choose another gas station that provides the select Debit option at the pump, or allow the greater hold to be placed by VISA on your account.
We regret any inconvenience that may be caused by this decision by VISA to change the processing of transactions in the VISA Network.
VEHICLE LOAN INTEREST RATE MATCH PROGRAM
Rates, Terms, and Conditions are subject to change without notice
Official Rate Match Guarantee Terms and Conditions
Fort McClellan Credit Union’s “Rate Match Guarantee” applies to new or used autos and trucks. This offer may be extended to motor cycles, or recreational vehicles during promotional periods designated by Fort McClellan Credit Union. This rate guarantee is good for loan rates from other financial institutions only. Existing Fort McClellan Credit Union loans do not qualify. Fort McClellan Credit Union’s Rate Match Guarantee cannot be combined with any other promotional offer at Fort McClellan Credit Union.
Fort McClellan Credit Union’s offer is not applicable to any “special rate” program of manufacturers’ finance companies or any other rate offer that bundles the sale of the vehicle and financing together. This offer is not applicable to all subsidized rate programs including but not limited to Auto Dealer Rates and Special Internet Advertised Rates. The competitor’s rate offer must be a similar loan product and terms of the Fort McClellan Credit Union offer. Fort McClellan Credit Union must be able to verify competitor’s rate for which the member qualifies.
All loans are subject to credit approval. Rates, terms, and conditions are subject to change without notice. Rate offered is based on credit criteria.
MOBILE BANKING WITH MOBILE MONEY
Mobile banking is now available through your cell phone or mobile device. If you have Internet Account Access with Virtual Branch, just sign in, click on Self Service and then go to Additional Services and click on Mobile Money. Just follow the directions and prompts to enroll. You can check account balances, transfer money between accounts, and even get text messages with account information.
NOW AVAILABLE FOR MOBILE MONEY-- iPhone Mobile Banking APP--
Touch Banking.
Take advantage of our free application on your iPhone to manage your money on the go. Download from Virtual Branch.
MOBILE MONEY-- Providing up-to-the minute balnce and account information. Make transfer of funds between checking, savings and loan accounts.
Enroll today! A free service!
VIRTUAL BRANCH ON-LINE SERVICES
VIRTUAL BRANCH INTERNET FINANCIAL SERVICES
Fort McClellan Credit Union member, real time Internet account access we call Virtual Branch (VB) is available 24/7 is now ready for you to enroll. This replaces the Home Financial Services (HFS) which is a “batch” transaction process which is delayed and transactions are processed periodically in batches. With Virtual Branch, it is important that you keep your email address current with the Credit Union. And once you are enrolled in the VB System you have the ability to make any changes that may occur for your email address.
With Virtual Branch, the information about member accounts and the transfers requested will all be real time live transactions or the actual account balance at the time of the inquiry. Transfers between the different accounts that you have will be available with this service.
With a combination of programs, VB will enable members through Internet offerings to manage virtually all of their financial transactions around the clock from their desktop or other devices.
Members can access their account balances and statements, transfer funds, pay bills, apply for loans, and more anytime, anywhere via the Internet. And with the integration capability with Mobile Money, this offers support for total mobile banking, payments, alerts, security and account information. And another feature will be MyMoney—an application that allows members to manage their finances with Facebook.
Virtual Branch also supports or offers interfaces with the Internet such as web-enabled phones, PDA’s and the popular software like Quicken, QuickBooks and Money.
The Home Financial Services (HFS) that was available has been moved to Virtual Branch. So go ahead and enroll now. The batch processes of HFS are no longer be available. If you have not enrolled take a few minutes and enroll now and start enjoying the benefits offered by VB. To enroll click on the Virtual Branch button on the Home Page, the click on the Enroll Online Button and follow the instructions.
CU Service Centers -- United States and Overseas
Over 4000 CU Service Center office locations to serve FMCU members. Offices located Throughout the United States and, through USA Federal Credit Unions' CU Service Center Outlets, services available in Yokota Japan, Seoul Korea, and Osan Korea. We also have offices in Puerto Rico, Germany and Italy.
To check out specific CU Service Center locations, click on our Locations & Hours page then click on the CU Service Centers, Inc. logo near the bottom of the page.
FMCU members may access their account(s) at any CU Service Center location and the service is free. You can check account balances, make deposits, withdrawals, transfer between savings and checking, make loan payments, cash checks, obtain money orders, travelers checks and other services. Service convenience just for credit union members. Check out a CU Service Center office near you.
CREDIT CARDS AND DEBIT CHECK CARDS
To report a lost or stolen Fort McClellan Credit Union Visa Credit Card or Visa Debit Check Card, please call 800-847-2911.
To report a lost or stolen Fort McClellan Credit Union MasterCard Credit Card, please call
800-627-8372.
Please call as soon as you have determined that your card has been lost or stolen. The numbers may be called 24 hours a day 7 days a week.
FORT McCLELLAN CREDIT UNION MEMBERS--
Your Money Is Safe! This Credit Union is Federally insured.
The National Credit Union Administration, a U.S. Government Agency, insures all Fort McClellan Credit Union member deposits up to at least $250,000. IRA accounts are insured separately up to $250,000. The National Credit Union Administration (NCUA) insurance is backed by the full faith and credit of the U.S. Government, just like FDIC.
Some things never change. And credit union members couldn’t be happier about it. Even as they offer a full range of modern financial services, credit unions have always been a safe place for your money. As not-for-profit cooperatives, owned and run for the benefit of members, credit unions have never been pressured to make risky investments. Savings are federally insured—now to at least $250,000. And additional deposit insurance is available depending on the structure of account ownership. No one has ever lost a penny of federally insured savings in a credit union.
SOUND, SOLID, SAFE. Learn how federal insurance safeguards credit union savings at www.ncua.gov
YES, Your Money IS Safe at a Credit Union
Fort McClellan Credit Union
FOR IMMEDIATE RELEASE
Contact: Curt Sasser
(256) 237-2113; fortmclncu@aol.com
Fort McClellan Credit Union Remains Strong in Unsettling Economic Times
Anniston, AL – With growing apprehension and low consumer confidence in the current market economy, we want you to know that Fort McClellan Credit Union is a very strong Credit Union, with capital and reserves of over $19 million dollars or over 18 % of our total assets.
We’ve all heard the latest news regarding the explicit Federal guarantee of Fannie Mae and Freddie Mac. The two mammoth government sponsored mortgage companies own or guarantee 5.2 trillion in U.S. home mortgages. And the closure of IndyMac Bank recently by the federal regulator, Office of Thrift Supervision, has also made the headlines as of late. And the condition of other financial institutions has caused great concern for their survival and what efforts have been made to shore up the economy.
Rest assured Fort McClellan Credit Union hasn’t been making the risky types of mortgages that have caused concerns for other financial institutions, such as IndyMac and other financials. Your assets are safe with Fort McClellan Credit Union.
In light of this news we thought you might have some questions or concerns regarding how Fort McClellan Credit Union federally insures your money. Here are some quick points of reference:
● As the NCUA brochure in our lobbies and at www.ncua.gov makes clear, the shares in Fort McClellan Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF), where not one penny of insured savings has ever been lost by a member of a federally insured credit union. This fund is backed by the full faith and credit of the United States Government. Established by Congress in 1970 to insure member share accounts at federally insured credit unions, the NCUSIF is managed by NCUA under the direction of the three-person NCUA Board. You may read about the details in the lobby brochure “Your Insured Funds” or in an online format at:
http://www.ncua.gov/Publications/brochures/insured_funds/funds.pdf
● Each Fort McClellan Credit Union member is federally insured up to at least $250,000 by the NCUSIF. Many families can increase the amount of share insurance coverage they receive by the appropriate structuring of deposits in various individually and jointly held accounts.
● Traditional and Roth IRA and KEOGH retirement accounts are insured separately up to $250,000 by the NCUSIF. A NCUA Share Insurance Estimator is also available for your convenience at:
http:///webapps.ncua.gov/ins/
We hope these resources serve to answer any questions or concerns, and we hope this information reassures you that even in rough economic times, you can feel confident entrusting us to safeguard your hard-earned savings. Should you have any questions or concerns please feel free to call us directly at 256-237-2113 or if long distance 800-642-1220 or visit any of our locations in Anniston, Jacksonville, Roanoke and Ohatchee.
eSTATEMENTS ON THE WEB
e-Statements Available on the Internet
For FMCU members subscribing to the Credit Unions' Virtual Branch Internet Financial Services, e-Statements are available for your account and any Cross Account. With e-Statements, FMCU’s electronic version of your regular paper account statement, you opt to receive your account statement in electronic form only, in the same format as those you’ve previously received by mail. These electronic statements will be available to you quicker than the printed one's you receive in the mail.
e-Statements reduce the risk of having your statement lost or stolen and helps prevent identity theft. You can print your e-Statement or save it to a computer file for long time storage. You can view your statement online 24 hours a day, 7 days a week. And e-Statements are available for you up to 6 months starting from when you first receive the e-Statement.
Once you access your account in Virtual Branch, just click on the “Self Service” button then go to “Additional Services” and click on
e-Statements. Then select the statement you wish to view or print.
To enroll click on “Enroll for e-Statements” located below the list of periodic statements, complete the Statement Enrollment Form and Submit. This will eliminate the paper statement that was previously mailed.
Each month you will receive an email notifying you that your statement is available online through the Credit Unions’ secure Virtual Branch website.
Sign up today!
ONE-STOP-SHOP FINANCING PROGRAM
If you are considering buying a new or used vehicle, you can avoid the extra time it takes going to the dealer and then to your Credit Union for financing. You can now get on the spot financing for your vehicle purchase through your Credit Union at participating dealers.
We are pleased to have the following dealers signed up and ready to put you behind the wheel of the vehicle of your choice:
Anniston Chrysler, Jeep, Dodge, RAM
Buster Miles Chevrolet
Buster Miles Heflin Ford
Cooper Chevrolet-Buick
Benton Nissan
HM Freeman Motors
Lenn Costner Auto Sales
Lipscomb Auto Sales
Mullinax Auto Sales
Pearson Chevrolet
Pee Wee Turner Motors
P.K. Brooks Used Cars
Classic Pontiac-Cadillac-GMC
Schafer Cars
Sunny King Ford
Sunny King Honda
Sunny King Toyota
Superior Hyundai
Ronnie Watkins Ford
Clay Automotive-Chrysler-Dodge-Jeep-Chevrolet
Auto Supercenter
Good Path Auto
Devon Lowe
Fort McClellan Credit Union's One-Stop-Shop Financing Program- Saving you Time and Money with better service, better value and better rates.
Call for more details!
E-mail Fraud Alert
Recently, there have been multiple e-mail fraud attempts, known as Phishing, that were sent to some credit unions members that appeared to be from the National Credit Union Administration (NCUA) or Credit Union National Association (CUNA). This false e-mail asked for the recipient to click on a link to verify their credit union account registration. If the recipient proceeded to do so, the link directed them to a false website and asked for their credit union account number and PIN, along with other personal information. The false email indicates that the senders have limited access to your account. No one has limited access to your account.
NCUA, CUNA, nor Fort McClellan Credit Union will ask credit union members for such personal information via e-mail. If you receive an e-mail that purports to be from NCUA, CUNA, or Fort McClellan Credit Union and asks for account information you should consider it to be fraudulent, and you should NOT follow the instructions in the e-mail.
If you responded to such an e-mail and provided any confidential account information, please notify Fort McClellan Credit Union immediately at 1-800-642-1220 or 1-256-237-2113.
CHECK CLEARING FOR THE 21ST CENTURY ACT
(AKA Check 21 Act)
CHECKS TO CLEAR FASTER WITH NEW LEGISLATION---
This legislation, passed by congress and signed into law by the president, clears the way to incorporate electronic technology that will streamline the traditional check processing system financial institutions have relied upon for many years. The purpose of the Act is to establish guidelines for truncating original checks and processing substitute checks in an effort to reduce cost, fraud and improve efficiency in the check collection system. Bottom Line? Your checks may clear your checking account from 0 to 1 day rather than the normal 1 to 3 days.
Truncation is the process of physically removing the check from the processing system and replacing that check with a substitute paper check. A substitute check is created from an electronic image of the front and back of the original check. The original check, if captured as an electronic image, may be removed from the system and processed as electronic data quickly and safely using state of the art electronic transmission technology. The processing time will be reduced and delays due to disruptions of our nations transportation system will be reduced. Furthermore, electronic transmission will help eliminate the possibility of checks being lost, stolen or destroyed. It will mean fewer individuals will come into contact with your information during the check clearing process. The minimized need for human contact will greatly reduce your potential exposure for identity theft.
Additionally, the amount of time between when a check is written and when the funds are actually debited from the account will be greatly reduced. This enhancement will reveal fraudulent activity much sooner.
Your account statements at FMCU will not be any different. And if you ever need a copy of your check, it will be available just the same as before Check 21.
SAVINGS OPPORTUNITIES WITH IRA's
Whether you are looking to save money for your secure retirement or set aside funds for education of a child or loved one, the Fort McClellan Credit Union IRA provisions will benefit you.
You already know you will keep more of your hard earned money, but are you aware of the advantage of the exciting financial opportunities with IRA's?
* Annual IRA Contribution Limits for Tradition and Roth IRA's:
Tax Year 2008 and 2009 $5,000 for single and $10,000 for married couples filing jointly.
For married taxpayers filing jointly where one spouse has little or no income, yearly contributions may be divided between the accounts provided the total contribution does not exceed $10,000 and neither account is allocated more than $5,000. The total yearly contribution that can be made by an individual to all IRAs, Traditional and Roth IRAs, is $5,000 not counting any rollover contributions.
* Catch-Up Contributions for People 50 and Older:
To make up for lost time, workers 50 and older before the end of the taxable year can make additional contributions of $1,000 above the contribution limits for tax years 2008 and 2009.
* Increase in the amount of money a beneficiary may receive in their Education IRA:
The contribution limit of the Coverdell Education Savings Account, hereafter referred to as Education IRA, is $2,000 per year, provided the contributor’s earned income is less than $190,000 for married couples or $95,000 for individual filers. Proportionately smaller contributions are permitted for couples earning between $190,000 and $220,000 and for individuals earning between $95,000 and $110,000.
* Elementary and Secondary school expenses have been added to the list of qualified expenses that may be paid tax-free from an Education IRA:
Your Education IRA can be used not only for higher-education expenses, but also for K-12 or trade school costs. And qualified primary and secondary education expenses aren't limited to just tuition, fees and room and board. They also include uniforms, transportation, extended day care, and even home computers.
* Education IRA contribution deadline is the same as other IRA’s, the federal income tax filing deadline normally April 15.
All of this is good news. Come in or call to learn more on how we can help you take advantage of these and other retirement and education savings opportunities now available.
And if you've not made your IRA contributions for the current tax year, it's possible you may qualify for a full or partial tax-deduction of your Traditional IRA. You may also consider the Roth IRA that provides the opportunity to build retirement earnings tax free. Call or stop in soon. Your credit union offers a variety of deposit accounts for your IRAs.
VISA DEBIT CHECK CARD - - - FMCU's Green Card!
FMCU's VISA DEBIT CHECK CARD, is now available to Credit Union members.
A VISA DEBIT Check Card works like your ATM card, plus allows you to make purchases wherever VISA DEBIT Cards are accepted, without writing a check.
Your VISA DEBIT Check Card must be activated in an ATM machine before you make purchases.
And don't forget, when you make purchases and pay with your new Check Card, select
Credit and sign for your purchases.
For more information, or to apply for your VISA DEBIT Check Card, visit the nearest branch office or call 256-237-2113 (if long distance, call 800-642-1220).
Don't Wait, Apply Today!
ELECTRONIC BILL PAY
Web Pay Service Now Available--
Enjoy the convenience. Pay your bills electronically whenever you want, day or night! You choose when the funds will be removed from your checking account, as well as how much you pay.
For only $5.95 per month you can pay up to 15 payments per month and only 40 cents each for any additional payments.
Enter the Promo ID number 3671 when you enroll and receive your first month FREE!
MASTERCARD & VISA
No Teaser Rates......
The best deal in town is now even better! There is still no annual fee, no transaction fee on cash advances or balance transfers and the fixed annual percentage rate charged is one of the lowest you will find --- 9.9% A.P.R.
----And the 25 day grace period for repayment of balances for purchases with no finance charge still applies. A real example of where you really do
GET SOMETHING FOR NOTHING!!
-- that is,
NO FINANCE CHARGE
with purchases and repayment as stated above.
For more details or to apply for your card, visit a Fort McClellan Credit Union office or call Mail Phone Services at 256-237-2113 or 800-642-1220.
Build Your Checks Online or by Telephone
Become an architect with online or telephone check reordering
Fort McClellan Credit Union has added a new service that's sure to make your life more convenient: check reordering at your finger tips on the Web or by toll-free telephone. You can build a check to your specifications. Choose a check style and cover, select free typestyle and check enhancements and you'll know your final cost before you submit your reorder.
For your security, this Web-based and telephone platform requires your unique 12 digit member reorder identification number and check start number, located on your current reorder form. These two items are used to access a specific order during a reorder session, and can access only its associated order.
So take advantage of this quick, 24/7, easy and secure online or telephone check reordering method. Remember-you control what you want on your checks and the reorder isn't placed until you are satisfied with your results.
To place your reorder, just click on Check Re-orders with Liberty at the Credit Union Home Page or call 1-877-585-8777, the Credit Union's Check Re-Order System.
INTERNET CREDIT CARD MANAGEMENT PROGRAM
FMCU members now have complete access to one of their most important financial services--their credit cards. From a secure Web site, members may access current and past credit card statements and authorize payment via the Internet.
FMCU VISA and MASTERCARD holders may also obtain Account Summaries that include available credit, payment information, and credit limit at the date and time displayed. The Summary can also provide all recent transactions that have not yet been billed. In addition to their Account Summary, FMCU members can view several months of their credit card account history.
Members may also search for specific transactions, create customized reports, and obtain alert notification by e-mail when certain pre-specified events occur. Members may set alerts for:
* Credit limit being reached or exceeded
* When a new statement is available
* When the balance is within a certain amount of the credit limit
* When the balance exceeds or drops below a certain amount
* When a payment, credit, or return is posted to their account
* A posted item exceeds a certain amount
Once an event occurs and the notification has been sent, the alert is deactivated, but not removed from the list of saved alerts. FMCU members can reset alerts by clicking reset within the alert description section. The Web site will then send members an e-mail notification when the event occurs again. The alert may be deleted by the member at any time.
In addition to the above, members can download credit card information to use with their own money management software.
To enroll and access this free service, FMCU cardholders can visit www.ezcardinfo.com or from Fort McClellan Credit Unions' Web site-- fortmcclellancu.org and click on FMCU Credit Cards or Credit Card Statement.
