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Tax Reform - What You Need To Know.  Learn more.


Beware of the IRS Scam!

The IRS Will NOT:

  1. Call you to demand immediate payment.
  2. Call you if you owe taxes without first sending you a bill in the mail.
  3. Demand that you pay taxes and not allow you to question or appeal the amount you owe.
  4. Require that you pay your taxes a certain way. For instance, require that you pay with a prepaid debit card.
  5. Ask for your credit or debit card numbers over the phone.
  6. Threaten to bring in police or other agencies to arrest you for not paying.


If you receive a phone call or voicemail from someone claiming to be from the IRS, here’s what you should do:

  • If you know you owe taxes or you think you might owe taxes, call the IRS at 1.800.829.1040. The IRS employees at that line can help you with a payment issue, if there really is such an issue.
  • If you know you don’t owe taxes or have no reason to think that you owe any taxes (for example, you’ve never received a bill or the caller made some bogus threats as described above), then call and report the incident to the Treasury Inspector General for Tax Administration at 1.800.366.4484.
  • You can file a complaint using the FTC Complaint Assistant; choose “Other” and then “Imposter Scams.” If the complaint involves someone impersonating the IRS, include the words “IRS Telephone Scam” in the notes. Access the FTC Complaint Assistant.

Be wary of ANY emails or phone calls you receive from someone claiming to be an employee of the IRS or State, especially those that demand you pay immediately, as the Internal Revenue Service and your state's tax authority will NEVER:

  • Initiate contact with you by phone, email, text, or through social media outlets to ask for your personal or financial information.
  • Require that you pay your taxes with a certain payment type, such as a prepaid debit card.
  • Call you and demand immediate payment. The IRS or State will not call about taxes you owe without first mailing you a bill.

If you receive an email about your federal or state taxes:

  • Don't reply to the message.
  • Don't give out your personal or financial information.
  • Forward the email to phishing@irs.gov and then delete the email.
  • Don't open any attachments or click on any links, as they may contain a malicious code or virus that will infect your computer.
  • Check the website of your state's tax return office to see how they recommend you report an attempted scam involving your state tax filing.

If you receive a call about your federal or state taxes:

  • Ask for a contact number and an employee badge number and then call back to verify its legitimacy.
  • Call the IRS or the office of your state's tax authority to inquire further.
  • Contact the Treasury Inspector General for Tax Administration. Use TIGTA's IRS Impersonation Scam Reporting web page to report the incident.
  • Report the incident to the Federal Trade Commission through the FTC Complaint Assistant on their website (add "IRS Telephone Scam" to the comments of your report).

3 Advantages of a Good Credit Score

Rent:credit score

Sure, renting a place to live doesn't require a loan but your chances of getting approved are a lot higher if you have a good credit score. With a low score, you're less likely to find a landlord who's willing to take a chance on you, even if you're financially reliable.

Utilities:

An excellent credit score helps a lot when it comes time to get utilities connected at a new house. There may be a fee associated with your new internet account that is based on your score. Anyone who's ever experienced buying a home knows that any amount you can save is helpful when you're going through the process.

Job:

Some employers may conduct a credit check on applicants for a variety of reasons. Late payments, high debt, and being generally irresponsible with your finances are red flags that could make an employer not want to hire you. Keep this in mind if you're thinking about a new job.

 


eDeposit Important Changes:

A new banking regulation requires all deposits made via mobile devices to have specific language as part of the endorsement.

As of July 16th, you are required to accompany this

  1. Your signature on all checks and 
  2. "For Mobile Deposit Only at Community Alliance CU" on all checks deposited with our Mobile App.

Unfortunately, if you deposit a check through our Mobile App without this endorsement, the check will be returned and you'll receive notification that your deposit was rejected due to improper endorsement.

To ensure that your checks are deposited conveniently and quickly using our Mobile App, please begin using this endorsement as soon as possible.

 


Family Service Center - Changes

Two Branches Closed Permanently on June 30, 2018

  1. Canton

  2. Riverview

Learn More


How Secure Are Your Passwords?

It's important to create strong passwords, here are 10 rules to follow.


Windows 7 Ending

Support for Windows 7 is ending on January 14, 2020.  When buying a new computer make sure it has the new Windows 10 operating system.


 

New ID Driver Licenses

Beginning October 1, 2020, Michigan residents will need to present a REAL ID-compliant document to fly within the United States (domestic flights) and enter certain federal facilities, military bases, and nuclear power plants. Residents without a REAL ID-compliant ID will need to show another form of acceptable documentation (such as a passport) prior to entering these facilities or boarding domestic flights. In order to obtain a REAL ID compliant DLN or PID, residents need to bring a valid U.S. passport or certified birth certificate with a raised seal or stamp to the SOS office.

As of August 28, 2017, in order to comply with the federal REAL ID Act of 2005, Michigan SOS began offering REAL ID Driver Licenses and Personal Identification Cards. Below is an example of what these cards look like (notice the gold circle with a star in the top right corner):

Drivers Licenses

If a resident chooses not to get a REAL ID-compliant ID or an Enhanced Driver License, a standard license card will be given with the phrase “Not for Federal Identification” printed on it (see below). These standard cards will continue to be legal identification for driving, cashing checks, renting vehicles, purchasing alcohol and tobacco, or entering casinos.

Michigan ID

For more information on the REAL ID Act, please visit Department of Homeland Security’s 


ID Theft Recovery Services

Steps you need to do to recover from identity theft: 

  • Contact all creditors, utilities, and financial institutions
  • File a report with your local police. Get a copy of the report in case a creditor needs proof of the crime

  • File a complaint with the Federal Trade Commission (FTC) and the Identity Theft Hotline at 877.IDTHEFT (438.4338)

  • Ask your creditors if they’ll accept the FTC’s ID Theft Affidavit. You can get one by calling the FTC at 877.IDTHEFT or at www.consumer.gov/idtheft. The affidavit allows consumers to report identity theft information to several companies simultaneously.

  • Report spam (e-mails) by sending an e-mail to the FTC

  • If it appears that someone is using your SSN, contact the Social Security Administration to verify the accuracy of your reported earnings and your name. Call 800.772.1213 to check your Social Security statement. 


The three major credit bureaus are:

  • Experian                     experian.com              888.397.3742

  • Equifax                        equifax.com                800.685.1111

  • TransUnion                transunion.com            800.888.4213

Request a Free Credit Report Annually.

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