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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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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.

 

FREE BILL PAYING SERVICE If you are interested in checking out a FREE bill paying service go to www.mycheckfree.com This service is not directly endorsed by Prime Care Credit Union

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 will now clear in just hours instead of days.