***Check images now available on Home Banking!!!***
UTELFCU Time Warner Toys For Kids Toy Drive!!
Christmas is a magical time for young children. Please help us help the less fortunate so they are able to bring smiles to their kids. We will be accepting unwrapped toys between now and Wednesday December 18th. Thank you once again for your unending generosity. Our members truly are THE BEST!!!
UTELFCU together with the Utica-Rome Credit Union Chapter is on a mission to raise at least $20,000 to purchase an incubator for our Children's Miracle Network Hospital, Faxton-St. Luke's Healthcare. We will be selling an assortment of World's Finest Chocolate Bars for $1.00, Balloon Pinups for a $1.00 (or more) donation. A big "THANK YOU" to all of our generous UTELFCU members!!! You are THE BEST!!!
Utica District Telephone EFCU is proud to once again participate in the 2014 Credit Union Association of New York Scholarship Program by offering college-bound high school seniors the opportunity to compete for statewide college scholarships. Scholarships will be awarded in the amounts of $1,000 and $500 and may be used at a two- or four-year accredited educational institution. The student MUST be a member of UTELFCU. Click on the banner below for the application packet or stop into the credit union and pick one up on your next visit. All completed applications must be submitted to UTELFCU no later than January 31, 2014.
Do your Kids belong to the Telly the Turtle Club?
UTELFCU would like like our young members to know that there is a cool website by VISA called Practical Money Skills for Life. Click on the picture below to take you there, then click on the games tab. There you will find fun, age-specific games that will teach your children about money and the importance of saving!! Your kids and grandkids are our future...share the credit union opportunity with them!!
For each enrollment in e-Statements, you can stop into the office for your free UTELFCU coffee mug. e-Statment enrollment is quick and easy and can be done by logging into your home banking site (or clicking the image above) and clicking the e-Statement link. Not enrolled in Home Banking with Bill Payment? Sign up is easy! If you live a distance away and it is inconvenient for you to come in, let us know and we will deposit $5.00 to your share account instead! Questions? Call us for details 315/724-5133.
VISA GIFT CARDS...ALWAYS A WELCOME GIFT!!!
UTELFCU is now offering VISA Gift Cards! Choose any amount between $10.00 and $1,000.00! Cards are $3.00 each and can be purchased right at the teller window. A great way to say "Happy Birthday", "Thank You" or "Job Well Done"!! Ask us for details on your next visit to UTELFCU!
The UTELFCU Smart Option Student Loan by Sallie Mae® for borrowers attending degree-granting institutions!
Now you can pay for college the smart way with three great repayment options and competitive interest rates!
The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. The learn more or to apply, please get started here.
The Smart Option Student Loan features and benefits:
- We offer a choice of competitive fixed and variable interest rates providing even more choice and flexibilty
- No origination fees and no prepayment penalty
- Borrow up to 100% of school certified education costs (minimum $1,000)
- Multiple in-school repayment options available
- Borrower benefits available - like rewards and interest rate reductions
- Rates that reward creditworthy borrowers
- Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
- Get a quick credit result by applying online. It's quick, easy, and only takes about 15 minutes to apply
- 24/7 online account management
To learn more or to apply, please get started here.
*We are compensated by Sallie Mae for the referral of Smart Option Student Loan customers.
HOLIDAY SHOPPING ONLINE SAFETY TIPS
Shop safe with these tips:
Make sure your inoculations are up to date. Before you start shoppong online, make sure your computer’s anti-virus software is updated. Take the extra time to keep cybercriminals from invading your computer or stealing sensitive personal information.
Don’t forget to check your URL. Double-check the website’s URL before you enter any of your payment details. Be certain that the URL begins with https://. The ‘s’ at the end of the ‘http’ confirms that the site has a secure connection.
Know who you’re dealing with. Shop at online stores you know and trust. Be cautious when visiting unfamiliar sites offering deals that are too-good-to-be-true.
Look before you leap. Beware of phishing scams in all forms including email and unsolicited phone calls. You can learn some of the warning signs of a phishing scam. The Federal Bureau of Investigation also cautions consumers to be wary of ‘one day only’ email promotions from recognized brands; such emails may be another tool fraudsters use to obtain payment information from unsuspecting shoppers.
Consider a digital wallet. Digital wallet services such as Visa’s V.me helps provide an additional layer of protection when purchasing online. Among its advantages is that it does not share your full account information with online merchants.
HOW TO PROTECT YOUR ACCOUNTS...AWARENESS IS THE KEY
We will NEVER tell you via phone, text, or email that your card has been de-activated and for you to call a phone number or link to a website to re-activate it. These scams are looking for you to enter your 16 digit card number, PIN and CVV2/CVC2 code on the back of the card.
EMAIL PHISHING is an email message that asks you to click on a link, which then takes you to a website and then asks you to enter your card information.
LAND LINE TELEPHONE “VISHING” Vishing, (Voice phISHING) is the voice counterpart to phishing. Rather than being directed by e-mail to a Web site, an e-mail message asks the user to make a telephone call. The call triggers a voice response system that asks for the user's card number or other personal or financial information. The initial bait can also be a telephone call with a recording that instructs the user to phone an 800 number or another area code within or outside of the United States. Because people are used to entering card numbers over the phone, this technique can be effective.
TEXT MESSAGE “SMISHING” Smishing (SMS phISHING) is the mobile phone counterpart to phishing. Rather than being directed by e-mail to a Web site, a text message is sent to the user's cell phone or other mobile device with some ploy to click on a link. The link causes a Trojan to be installed in the cell phone or other mobile device.
The Credit Union will NEVER ask you for personal information via text message, email or unsolicited phone calls. If you have any doubt about who is on the phone, call the Credit Union directly or the phone number on your credit or debit card. 24/7 toll-free numbers can also be found on your credit card statement. Never open an unsolicited email or text message. Monitor your accounts on a regular basis. If you have not signed up for online banking, now is a perfect time. Immediately report any suspicious activity or phishing attempts to us as soon as possible so we can alert the proper authorities.