Archive for November, 2010

What American 1 card do you use?

Check all the American 1 cards you use regularly!

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$1000 holiday cash winner

Congratulations to Wendy Shaw of Jackson – she was our $1,000 holiday cash winner from our Winter Vehicle Sale.

Wendy financed a Ford Freestyle at the sale. “We like the van even better now,” her husband Fred said.

And indeed, Wendy couldn’t believe she was the winner when we called. But now that she has that extra $1,000, she’s using it all to go Christmas shopping for her five grandkids.

Congratulations Wendy!

Scamwatch: Salary is too good to be true

Here’s a fun e-mail someone received at another credit union. It’s an attempt to get account information based on an “employment opportunity” with a fake company.

Check it out:

You are welcome by the company W.U.G.
Our company is dealt with the widening its sphere of action and starts to join new employees to its department in the USA. If you have a great desire to earn well-deserved money, to take the opportunity to get good knowledge and to raise yourself,we will be happy to help you with this.

Our company provides its clients with financial services. It is not obligatory to have higher education to start working with us; after several trial tests you will get the chance to study on the house.

To begin cooperation with us you should provide us with the following information:
the number of your personal ID and account details (it would be better to open new account, special for work).

This information will be checked by the business security department W.U.G.

You will get the opportunity to work as a financial manager of one of our clients (at the same time one of our more experienced worker will be able to help you by email or by phone)

Stable salary – 2400 USD and more, duration of working day – 3-4 hours.
If this offer is suitable for you, please do not hesitate to send us an email.

Our contact: mendoza@westjobposition.com

We are glad to hire successful people in our company! Sincerely,
Marco Veliz Mendoza
Chief of staff department
W.U.G. Finance

Isn’t the grammar fantastic? And look at that salary: $2,400 for three or four hours of work. That’s $600 an hour!

That’s also the definition of “too good to be true.” Especially during these times of hardship, beware these kinds of employment offers.

American 1 holiday hours 2010

snowy pine cone

We’re quickly approaching the holiday season. Here are our branch closing hours from Thanksgiving to New Year’s:

  • Branches closed Thursday, Nov. 25 for Thanksgiving
  • Branches will close early, at 1 p.m., on Friday, Dec. 24 for Christmas Eve
  • Branches closed Saturday, Dec. 25 for Christmas
  • Branches closed Saturday, Jan. 1 for New Year’s Day

Have a safe and happy holiday season!

Incorrect address fee (and why)

As of July 1, 2010, we started charging a $5.00 monthly fee to any account that has an American 1 Federal Credit Union mailing returned to the credit union because of an incorrect address.

An account is flagged when a mailing is returned and members have 30 days to update the address before the fee will be imposed. Once the member submits a proper change of address, the account will no longer be charged the incorrect address fee. If the monthly incorrect address fee charged takes the account to a zero balance, the account will be closed.

We receive way too much mail that gets returned to the credit union because of incorrect information. Because of out-of-date addresses, too much postage and paper are wasted.

On your next branch visit, make sure we have your up-to-date address, phone number, and e-mail address on file. Or contact us and make sure your information is up to date. As always, the best option is signing up for e-statements – that way, your monthly statements and notices are e-mailed to you, helping us to reduce waste.

Credit card phishing alert

Alarming news from the NCUA:

The purpose of this fraud alert is to inform all federally-insured credit unions about a recent phishing attempt to obtain member credit card account numbers, expiration dates and electronic signatures. In cases reported to NCUA, the perpetrator(s) sent fraudulent e-mails, representing to be from the NCUA, to credit union members and the general public. The emails state the NCUA will add $50.00 to the member’s account for taking part in a survey. The link embedded in the message directs members to a counterfeit version of NCUA’s website with an illicit survey that solicits credit card account numbers and confidential personal information.

We are highly concerned about the risk of imitating the NCUA website and the use of the NCUA official logo to potentially make the scam appear more authentic to unsuspecting members. NCUA will never ask credit union members or the general public for personal account or personally identifiable information as part of a survey. Any e-mail that alleges to be from NCUA and asks for account information is fraudulent and should be treated as suspicious.

The NCUA recommends keeping up to date on virus protection software and security updates. Also, if you receive a scam e-mail, send it to Phishing@ncua.gov.

And by all means, do not give our your account information to just anyone that asks.

UPDATE: We just got another report of credit card phishing activity. This time, the caller claims to be with Visa or MasterCard, already has your credit card number, and asks for the three-digit number on the back of the card.

Whatever you do, don’t give them any more information than they already have.

“The member should be advised to note the telephone number of the caller and follow up with Visa or MasterCard by calling the 800 number on the back of the card to report the incident,” Jay A. Slagel, VP or Risk Management for Allied Solutions, advises. “The member should also contact their credit union to advise of the call and what specific requests were made.”

First pics from Belly to Baby Expo

Belly to Baby Expo - Photo Contest

New parents and parents to be came out for our first ever Belly to Baby Expo at the American 1 Event Center this past weekend.

To check out pictures from the event, head to our Flickr photo gallery.

Thanks to everyone who participated!