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Prime Care Credit Union
2800 Godwin Blvd.
Suffolk, VA 23434
Fax: 757-934-4997
Phone: 757-934-4624
New Federal Banking regulations will impact all consumers this year. These regulations give consumers a choice on how to manage their funds.
An overdraft occurs when you do not have sufficient funds in your share or checking account. If you have created a transaction from your checking account by using your ATM and/or VISA Debit Card, out of courtesy Prime Care Credit Union will pay. If we are able to take the funds from your shares, we will do this first. However if no funds are available, we will pay your transaction so that you can complete your purchase. However there is a $30 fee attached. You have however, made your purchase!
Unless you Opt in, by August 14, 2010 we will no longer be able to pay for your purchases and assess the fee. To avoid the embarrassment of transacting business you can Opt in and we will continue serving you as we have done so in the past. If you Opt out we will reject future purchases if no funds are available. If Prime Care chooses not to authorize the overdraft, your purchase will be declined. Re-occurring transactions set up ahead of time will still be covered.
Prime Care Credit Union pays overdrafts at our discretion, which means we do not guarantee we can always authorize and pay any type of transaction.
We charge $30 for insufficient funds and overdraft fees. This is a per item charge as it has been in the past and it has not changed.
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To continue receiving the overdraft coverage as you have in the past after August 13, 2010, you must submit a request either by mailing, faxing, or dropping off the form to any one of our three (3) Prime Care branches located inside Sentara Norfolk General Hospital, Sentara Leigh Hospital and Sentara Obici Hospital. We will confirm receipt for that form and forward to you a confirmation of that receipt.
Effective August 14, 2010 if this form is not returned, we will reject/decline all of your ATM and everyday debit card transactions that would overdraft your account.
By completing this form I consent to have Prime Care Credit Union authorize and pay overdrafts on my ATM and everyday ATM/VISA Debit Card transactions. Please return before August 1, 2010.
Please check if you wish to Opt in or Opt out.
Opt In (__) Complete Transactions to my share (savings) account
Opt In (__) Complete Transactions to my share draft (checking) account
Opt Out (__) Decline Transactions to my share (savings) account
Opt Out (__) Decline Transactions to my share draft (checking) account
Please print:
Name: ________________________________________________________________________
Member Acct. #________________________
Home # Area Code (_____) __________________ Work # Are Code (_____) ________________
Cell # Area Code (_____) __________________ E-mail Address ________________________________________
We will send you confirmation via your e-mail address unless otherwise notated.
Please sign:
SignatureX_____________________________________________ Date ____-____-____
We will soon be offering another courtesy pay program, please look for more information to come in your statement.
As always, we appreciate your business and look forward to continuing serving you.
Questions, please call 757-934-4624 or 757-388-3834.
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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.
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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
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. |
Tips to Help Avoid Identity Theft
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
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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.
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FREE BILL PAYING SERVICE www.mycheckfree.com This service is not directly endorsed by Prime Care Credit Union. This is a Fiserv product. |
Check 21 Check 21 is a new federal law designed to improve the overall efficiency of payment systems of checks. It allows financial institutions to accept a digital image of an original check. If it is converted from the digital image to a paper check it is considered a substitute check and is the legal equivalence of the original check. Checks can clear in hours instead of days. |
FRAUD Due to increased fraud and forgery, and the Credit Union Service Centers' inability to verify negotiable instruments, NON-CASH items deposited at any Credit Union Service Center will be subject to hold. This may include cashier's checks, money orders, certified checks as well as government issued checks and travelers checks. Be sure to ask the Credit Union Service Center representative if your item will be placed on hold before making the deposit. Also, your name may appear on www.zabasearch.com. Check out this site and protect yourself from fraud!
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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. |
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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
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This is shared information for your convenience. Prime Care Credit Union does not endorse any specific credit counseling organization listed above.
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