We love our members!
We are celebrating YOU all week. Come into the Credit Union the week of October 15th - 21st and help us celebrate International Credit Union Week.
The theme this year is "Dreams Thrive Here". You'll enjoy:
- Free 2018 Calendars
- Hot dogs in Livonia on Thursday, October 19th
- Have a chance to win a $50 Visa Gift Card
- And More
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):
Enhanced Drivers Licenses, which have a US flag over the resident’s photo and the word “Enhanced” at the top (see below), are already REAL ID compliant. These licenses allow Michigan motorists to cross in the U.S. when traveling by sea or land from Canada, Mexico, Bermuda, and the Caribbean nations without the need for a passport of other identification documents.
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.
For more information, please visit Michigan SOS’s REAL ID-compliant Driver’s License and ID Information page at http://www.michigan.gov/sos/0,4670,7-127-1627_81569---,00.html
For more information on the REAL ID Act, please visit Department of Homeland Security’s site at https://www.dhs.gov/real-id
New ACH Rules
On September 15th, we were required to follow new regulations that allow ACH (Automated Clearing House) electronic debits to post multiple times each business day.
What this means is you may no longer have a "float day". If funds are not available in the account when the transaction posts, an NSF (Non-Sufficient Funds) fee will be charged, and the item may be returned to the merchant which you may incur additional fees.
Do not authorize any payment to come out of your account until the funds are available in your account. Do not count on direct deposit to post, or a check hold to be released, before the authorized payment is posted.
Equifax is offering a website—www.equifaxsecurity2017.com—here you can check whether you are one of the 143 million people whose data may have been compromised. (A small number of citizens in the United Kingdom and Canada may also be affected.) Currently, the website doesn’t give you a simple answer about whether or not your data may have been affected, but it seems to tell you if it wasn’t. Equifax is also offering a year of free credit monitoring and identity theft insurance that you can (and should) sign up for on that site if you're a US resident. If your information could have been compromised in the breach, you might also want to consider paying for additional years of credit monitoring after Equifax’s free year expires. Attackers may have better luck abusing the leaked data in earnest after that first year is over and many potential victims lose free monitoring.
New Look & Features For Mobile Banking Are Here!
- Fingerprint Authentication - Fingerprint authentication makes your login process more secure and offers you faster access to Mobile Banking.
- Quick Balance - This is optional. This allows you to view real-time account balances without logging into Mobile Banking. You will be able to select which accounts to include in Quick Balance. If you want to perform a transaction, you will need to log into Mobile Banking. Note: The use of Quick Balance requires you to save your password. The stored password will be encrypted on your phone.
- Easier to Read and Navigate
- And More!
Put the phone down while driving...here's why!
Michigan police will ride in unmarked cars to find distracted drivers. For a first offense, motorists are fined $100. There are three main types of distraction:
- Visual - taking your eyes off the road
- Manual - taking your hands off the wheel
- Cognitive - taking your mind off of what you're doing
Distracting activities include:
- Using a cell phone and/or texting
- Eating and drinking
- Talking to passengers
- Reading, including maps
- Using aPDA or navigation system
- Watching a video
- Changing the radio station, CD or MP3 player
Focus on driving!
Update Your Address, Phone Number and eMail Address
Please take the time to make sure we have your correct address, phone number, and email address on file. You can update your information with us through Internet Banking, by calling us at 800.287.0046, or the next time you visit one of our locations. Communicating with you through online channels is the fastest way we can communicate to you your finances at Community Alliance Credit Union.
ID Theft Recovery Services
We offer fully managed identity theft recovery services, which can restore your good name if your identity gets stolen. In the event that you suspect identity theft or fraud for any reason, call us, at 800.287.0046. When you have coverage, we will put you in touch with an Identity Recovery Advocate that will do most of the work for you, learn more.
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 at email@example.com.
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.
Request your Free Annual Credit Report, the three major credit bureaus are:
Experian experian.com 888.397.3742
Equifax equifax.com 800.685.1111
TransUnion transunion.com 800.888.4213
If you have questions, call the Credit Union at 800.287.0046
Together We Can Fight Against Fraud - It's a Team Effort
What you can do to help:
By us working together, we can win the fight against fraud.