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ezForex Foreign Currency
Marion Community Credit Union has partnered with ezForex to provide our members with a convenient and inexpensive way to purchase foreign currency before you travel. ezForex allows you to exchange US dollars for nearly all foreign currency online. Visit the ezForex website to begin or contact us for details.
Read Our Blog
Find helpful hints for your finances and life in general on our Blog.
Impersonation fraud occurs when someone assumes your identity to perform a fraud or other criminal act. Criminals can get the information they need to assume your identity from a variety of sources, such as the theft of your wallet, your trash, or from credit or bank information. They may approach you in person, by telephone, or on the Internet and ask you for the information.
The sources of information about you are so numerous that you cannot prevent the theft of your identity. But you can minimize your risk of loss by following a few simple hints.
Some Tips to Avoid Impersonation/Identity Fraud:
Never throw away ATM receipts, credit statements, credit cards, or bank statements in a usable form.
Never give your credit card number over the telephone unless you make the call.
Reconcile your bank account monthly and notify your bank of discrepancies immediately.
Keep a list of telephone numbers to call to report the loss or theft of your wallet, credit cards, etc.
Report unauthorized financial transactions to your bank, credit card company, and the police as soon as you detect them.
Review a copy of your credit report at least once each year. Notify the credit bureau in writing of any questionable entries and follow through until they are explained or removed.
If your identity has been assumed, ask the credit bureau to print a statement to that effect in your credit report.
If you know of anyone who receives mail from credit card companies or banks in the names of others, report it to local or federal law enforcement authorities.
Phishing incidents increased dramatically in popularity in the past year. Phishers use the Internet to steal money and personal identities. Phishing is a type of deception designed to steal your identity. In phishing scams, scam artists try to get you to disclose valuable personal data—like credit card numbers, passwords, account data, or other information—by convincing you to provide it under false pretenses. Phishing schemes can be carried out in person or over the phone, and are delivered online through spam e-mail or pop-up windows
A recent study shows 52 million U.S. Internet users received phishing e-mail during the past 12 months. While consumers at credit unions and banks are prime targets, AOL, Paypal and eBay users also are victims of frequent attacks.
A phishing scam sent by e-mail may start with con artists who send millions of e-mail messages that appear to come from popular Web sites or sites that you trust, like the Marion Community Credit Union or a credit card company. The e-mail messages, pop-up windows, and the Web sites they link to appear official enough that they deceive many people into believing that they are legitimate. Unsuspecting people too often respond to these requests for their credit card numbers, passwords, account information, or other personal data.
As scam artists become more sophisticated, so do their phishing e-mail messages and pop-up windows. They often include official-looking logos from real organizations and other identifying information taken directly from legitimate Web sites.
Experts say it’s a good idea to change your online banking and shopping account passwords every three to six months. And to avoid being led to fraudulent Web sites, retype the Web address in your browser rather than click through e-mail links. These simple steps can protect you from serious hassles down the road.
The following are just a few phrases to watch for if you think an e-mail message is a phishing scam. If an e-mail message looks suspicious, that probably means that it is.
“Verify your account.” Businesses should not ask you to send passwords, login names, Social Security numbers, or other personal information through e-mail.
“If you don’t respond within 48 hours, your account will be closed.” Phishing e-mail may threaten to close or suspend your account or may even say your response is required because your account may have been compromised.
“Dear Valued Customer.” Phishing e-mail messages are usually sent out in bulk and do not contain your first or last name. Although, it is possible that con artists have this information.
“Click the link below to gain access to your account.” HTML-formatted messages can contain links or forms that you can fill out just as you’d fill out a form on a Web site.
The Marion Community Credit Union will never send you an email asking for your password, login name or other personal information. If you receive any questionable correspondence from MCCU contact us immediately.
FoolProof Financial Information Site
FoolProof is a free financial information resource for our members. Visit the site by clicking on the button on our home page or visit the Foolproof website.
The Fetch Kids Club is a place just for kids!
Print fun coloring pages featuring our dog mascot, Fetch. Look for Fetch at local events! He loves to say ’Hi’ to kids and give big doggy hugs!
Trinity Debt Management
As a valued member of Marion Community Credit Union, we are committed to serving you. And as a benefit of your membership, we are providing you with free and unlimited access to financial education and counseling services.
Trinity is a non-profit financial counseling organization. Through comprehensive education and exceptional service, this organization has been assisting individuals since 1992. You can receive assistance with:
• Personal and family budgeting
• Personal money management
• Debt repayment
• Avoiding bankruptcy, foreclosure, and repossession
• Preparation to buy a home
• Getting a copy of your credit report
Call a Trinity counselor toll-free at (800) 758-3844 and let them know you are a member of Marion Community Credit Union or visit the Trinity web site at www.trinitycredit.org.
Young Adult Site
CreditUnionsRock.com is for our young adults up to age 25 (“Gen Y”).
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