Do you have internet access on your mobile phone?

Why not set up Home Banking and view your account balances 24/7?

www.primecarecu.org

Prime Care is committed to providing valued customer service to our members. If you receive any emails which claim to be from the credit union, please do not disclose any personal information such as name, social security numbers, account numbers, address, or any other personal information that may be sensitive. Prime Care Credit Union will not send you any emails asking you to verify or disclose such information. Please contact the credit union directly if you receive any such requests or have any questions. Thank you.

Tips to Help Avoid Identity Theft

Identity theft crimes are on the rise across the nation.  Your personal identifying information can be accessed in a variety of ways.  An imposter can misuse your information to open fraudulent credit card accounts, secure deposits on cars and housing, obtain employment opportunities, create insurance benefits, and rob retirement earnings.  This form of sabotage can devastate your credit, and require endless  hours of telephone and written communication to resolve. 

In the meantime, you may experience difficulty writing checks, renting apartments, and securing employment.  While following these precautionary steps is not a guarantee of protection, it will greatly reduce your chances of becoming the next identity theft victim.  Here are a few things you can do to help reduce your risk:

Reduce Access to Your Personal Identifying Information   

To minimize the amount of information subject to theft, do not carry extra credit cards, your  Social Security card, birth certificate, or passport in your wallet or purse, except when needed.

Shred important documents that may have your personal information, account information, or any information that may be used in identifying you. This includes checks, convenience checks from your credit card company, credit card or banking statements, etc.

Order your credit report once a year from each of the three credit bureaus to check for inaccuracies and fraudulent use of your accounts.You can now receive your credit report free annually. Visit www.annualcreditreport.com.

Remove your name from the marketing lists of the three credit reporting bureaus-Equifax Information Services, www.equifax.com, Experian (TRW), www.experian.com, and Trans Union, www.transunion.com.  This will limit the number of pre-approved offers of credit that you receive in the mail. (See their websites for details of how to be removed from their lists.)

Register your home telephone number as well as your cellular phone number form the National Do-Not-Call Registry.  This registry prevents most telemarketing calls to the registered number with the exception of calls from political organizations, charities, telephone surveyors and companies with which you have an existing business relationship. Register your numbers by visiting www.donotcall.gov.

Remove your name, home address, and home telephone number from many mailing and telephone lists through the Direct Marketing Association's Mail Preference Service and Telephone Preference Service.  Visit www.the-dma.org/cgi/offmailinglistdave#regform

While these are just a few tips in helping to minimize the risk for identity theft, consumer awareness is the greatest help.  Being aware of the practices of your financial institutions procedures on telemarketing or notification of changes to their customers, will also help. 

Prime Care Credit Union is committed to providing excellent service to our members and we would not contact our members via email, unless responding to an email, nor call to solicit or verify any type of account information.  If you need assistance in the investigation and/or prosecution of a computer facilitated identity theft crime, contact the Office of the Attorney General, Computer Crime Unit at 877-245-5521 or at cybercrime@oag.state.va.us.

Due to increased Visa Debit card fraud, all international card

transactions have been blocked.

If you have questions, please contact the credit union.

Thank You 

 CHECK HOLDS

Are you aware of check holds?  Are you aware of the ATM deposit holds?  Did you know that you may not have immediate credit?  Official checks may also be held.  This is true at the Credit Union Service Centers and the Credit Union itself.

Talk with your credit union representatives today by calling

 757-388-3834.

PRIME CARE CREDIT UNION HAS THE RIGHT TO REFUSE ANY

CHECKS THAT MAY NOT BE VERIFIABLE.

  FREE BILL PAYING SERVICE

www.mycheckfree.com

This is a Fiserv product. 

PCCU uses Fiserv software

on a daily basis.

This service is not directly endorsed by Prime Care Credit Union.

 FRAUD

 Please be advised that it is the policy of Prime Care Credit Union to clear any negative account which bears your name (whether primary or joint) from your Share, Share Draft, Christmas Club, Rainy Day, Insurance, or any other type of account to which  you are entitled the funds. Please refer to your membership account agreement, the current Rate & Fee schedule, or other credit union documents or notices posted regarding this.

Financial Counseling

There are many financial counseling services to help people.

  If you need help check out:

 www.cccservices .com 

(Consumer Credit Counseling Services 1-800-355-2227)

www.debtfree.com (Free Personal Evaluation)1-866-719-3328

National Foundation for Credit Counseling

1-800-284-1698