Posts Tagged 'american one'

Coming soon: New American 1 website

Check that out – a new american1fcu.org!

Five years in the making (or, well, since our last update), the new website features an easy navigation scheme, less clutter, and social media links leading you to places like American 1’s blog, Flickr photo gallery, and YouTube page.

But most of the pages and organization will stay the same – it’ll just make more sense. So “Banking” has all the things to do with cash (savings, checking, etc.), “Loans” has what we’re really good at, and “eServices” has all the convenient ways to manage your money.

Check it out, and let us know what you think!

Text scam: keep these things in mind

We have your account information: American 1 wouldn’t call you up and ask you your account information out of the blue. Besides, we have your information already. Usually we ask you to verify your account when you call us – just to make sure you’re who you say you are. That’s to keep your money safe, and to keep thieves from calling up and pretending to be you.

We don’t have a texting program: Some credit unions and banks are notifying their members and customers of transactions or low fund warnings via text. These programs are great, but we don’t have one set up right now. So if you see a text coming from us, it’s not us.

When fraud happens, we use a different method: American 1 does monitor our Visa and debit cards for fraud activity automatically, but the system is a simple phone call that verifies your transactions (“Did you buy such-and-such at this place yesterday?”) and never asks for your card number. Like we mentioned above, we have that info already.

It doesn’t hurt to call us: If you’re ever unsure about someone asking about your financial info, hang up and give us a call to make sure everything’s okay. You never know who’s who, or if a different branch is showing up on your caller ID. So to be safe, just call our toll-free number at (888) 213-2848 and double check everything.

Don’t give out your account info over e-mail, the phone, or anywhere else: That’s the bottom line. Thieves aren’t just using text messages; they could be using e-mail, the phone, even Facebook or Twitter. American 1 doesn’t handle account information, especially account and card numbers, over social networks or e-mail, and we recommend you not share that info with just anyone who asks.

Beware new text scam

The Jackson Citizen Patriot reported on a text messaging scam affecting some of our members and non-members:

People are receiving text messages asking them for banking information, a news release from the sheriff’s office stated.

The messages are sent to mobile phones saying PIN numbers or debit card information have been lost from bank records. The message asks people for banking or debit card information, according to the release.

The text messages started appearing Sunday night, says the report.

Beware of text messaging scams like these, and know that American 1 would never ask you for your account information via text, or for your PIN. That’s personal account information that, chances are, we already have.

In fact, American 1 doesn’t engage in any text messaging program right now. If we ever did (for account updates, say, but not phishing for information), we’d be sure to let you know.

If you did respond to this text message, please let us and the Jackson County Sheriff’s office know.

UPDATE: We had an employee receive the text. Here’s what it read:

American 1 FCU Alert: Your CARD has been DEACTIVATED. Please contact us at 877-733-7240 to RECATIVATE your CARD

She also said it appeared to have come from her own phone, which makes this thing extra tricky.

Read our list of things to keep in mind when it comes to these kinds of fraud schemes.

Rebate 2010: birthday present

Cindy Grymko took the rebate

Last year, Cindy Grymko was thinking about her upcoming 50th birthday, and thought a new car would be a great gift.

So she got one. A beefed-up Chrysler 300C, complete with a Hemi motor and “all the horns and whistles,” she says.

“This is an upgrade model,” Cindy says. “I thought, ‘What do I need a Hemi for?’”

Cindy financed her car with Chrysler, but before she made her first payment an American 1 employee at our former Argyle Branch told her about the 50% loan rebate in April. She hadn’t had the car a month yet, but figured, “why not?”

“I told them, ‘Sure, sounds good. What do I have to do?’” Cindy says.

Initially, she had no idea how much she would get back for her interest rebate. She figured maybe $400 or $500, tops, for the interest she was paying on her souped-up Chrysler.

But when the rebate deposit hit her account, she saw the rebate gave her more than double what she thought.

“I was like, ‘Wow, that’s cool,’” Cindy says. “It’s helped me stay afloat, with the economy and helping the kids.”

Cindy was off work due to knee surgery, and was afraid she might be late on a payment – which would mean she would forfeit the rebate. But she found a way, and ended up being one of the top five rebate recipients last year.

“I would tell anyone to do it,” she says. “It’s like a tax refund, but it helps build your credit.”

Learn more about our 2010 rebate.

Rebate 2010: In the market

Robert Baker took the rebate

Robert Baker wasn’t thinking about getting a new car until he learned about the loan rebate at our Battle Creek Branch last year.

The car? A 2009 Mercedes-Benz Clk.

“It was a car I’ve wanted for a long time,” Robert says. “And the price was right.”

Robert was one of the top rebate recipients this past January, earning back over $1,100. He and his wife used the rebate cash to travel to Florida with a motorcycle and cruise through the Keys.

To get the rebate, he financed a smaller, sporty luxury car that only had 400 miles on the odometer – but was still considered used. Robert spotted the Mercedes on eBay, waited until the auction ended, then called up the owner and made a deal.

“Without the rebate, I wouldn’t have even been looking,” he says. “All things considered, it wasn’t bad. Everything fell into place.”

Now he loves his car, and recommends that others take advantage of the rebate, too.

“Especially if you’re in the market,” Robert says. “I might just do it again this year.”

Learn more about our 2010 rebate.

So long, Felpausch



Yesterday was the final day of business at our Felpausch Branch.

The Felpausch grocery store, however, has been closed for some time now. So before we packed up and left, I grabbed a few pictures (above) of the empty store.

Pretty sad. Now that giant building will stand vacant until someone comes up with a better idea for it.

So long, Felpausch. It’s been a good run.


American 1 Federal Credit Union