HOME EQUITY LINE OF CR..

*** The Credit Union will be closed on Monday, May 27th in observance of Memorial Day*** Important--New Security Enhancement to Virtual Branch On 06/20/13, we will upgrade Enhanced Authentication.  Beginning on 06/20/13, the image that currently appears above the Security Code will no longer be displayed.  After you log on, you will be prompted to re-enroll in Enhanced Authentication by selecting new security questions and a Security Phrase.  After enrollment, when you logon, this phrase will display in the same place as the previous image.  For addtitional details about the change, CLICK HERE   ~~~~ Take action by contacting your legislators.  Click here to voice your concern today!!! ~~~~   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!   ~~~~ Private Student Loans ® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.   The Utica District Telephone EFCU* Smart Option Student Loan   24/7 online account management New interest rate type for Academic Year 2012-13. We now offer competitive fixed interest rates in addition to our low variable interest rates providing even more choice and flexibility. 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 Fast Online Application. Our easy-to-complete application takes about 15 minutes. It's quick and easy Borrow up to 100% of school certified education costs (minimum $1,000)  Click here to get started!   Now you can pay for college the smart way with three great repayment options and competitive interest rates! ~~~~ Worried about Fraud and Identity Theft? UTELFCU would like to remind you that we are in partnership with AlertMe, a credit-monitoring service designed to help members fight identity theft which is a growing problem that affects millions of Americans.  AlertMe gives early warning of activity on your credit report.  Since credit report activity can be a sign of possibile identity theft, early detection can help you catch problems quickly to minimize losses. AlertMe monitors your Experian credit file daily.  New accounts, credit cards over the credit limit, and address changes are just a few of the items AlertMe monitors.  If an activity occurs, AlertMe will send you an email alerting you to the activity.  You can log into the AlertMe website to read details about the activity and determine if it is suspicious.  AlertMe will also send an email to remind you to order your annual free credit reports! The AlertMe cost is $4.25 per month.  Quarterly and annual plans are available at a reduced rate.  To enroll or learn more, simply click on AlertMe on the left side of this webpage, the left side of the Virtual Branch login page or visit https://www.virtualbranchservices.com/alertme/login.jsp?rtn=22137692 ~~~~ Paying too much for your prescriptions? As a member of UTELFCU you are automatically eligible for a FREE prescription discount card. RxSavingsPlus is now available to you to provide another way to make your prescription medications that are not covered by your insurance more affordable.  Click on the banner above or stop in to our office to pick up your FREE discount card.  Another benefit to your membership from UTELFCU.  ~~~~   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.