What's New

If you carry one of our ATM Guard Cards and one of our MasterMoney Debit cards, effective May 1^st, 2008, you will no longer be able to use the ATM Guard Card. Your MasterMoney Debit card will access both your share and your checking account.

We are taking this step to reduce the number of cards that you carry and thereby minimize your threat of unauthorized transactions. If you carry both these cards, we suggest that you immediately take the ATM Guard Card and cut it into small pieces and then discard. As always, if you have any questions, please give us a call.

Important Debit Card Tips

Debit cards are a convenient way of paying for everyday items because they can help you manage your money better. However, due to the increasing number of unauthorized charges and rise in identity theft, here are some tips debit card users should know:

Use your hand or body to shield your PIN when you are conducting transactions at the Automated Teller Machine (ATM), or when making Point of Sale (POS) transactions at retail stores. Avoid potential “shoulder surfing”.

Never let your debit card out of your sight when conducting a POS transaction. Be certain the transaction is complete and review the receipt before leaving the premises. Always remember to take the receipt with you and record it in your register. Then shred your receipt before discarding it, since it contains valuable account information.

Regularly check your statements and balances to verify all transactions have been properly documented. If entries do not accurately reflect transaction activities, for example, if there are missing or additional transactions, you should contact your Financial Institution immediately.

If your debit card is lost, stolen or retained by an ATM, notify your Financial Institution immediately upon becoming aware of the problem.

Your debit card and PIN are the keys to your account(s). Never disclose your PIN to anyone. Keep your card in a safe place and never lend it to anyone.

Memorize your PIN - it's your electronic signature. If you suspect that someone knows your PIN, change it immediately or contact your Financial Institution immediately to cancel the card. It is strongly recommended you do not write down your PIN.

When selecting your PIN, never use obvious information such as your telephone number, date of birth, address or social security number.

Only conduct ATM transactions when & where you feel secure. If you suspect that someone may have obtained your PIN or account number, please contact your Financial Institution immediately.

Historic Change is Here!

For the first time in history, the United States Mint is honoring the Nations past Chief Executives with a unique series of Presidential $1 Coins. Modeled after the United States Mints popular 50 State Quarters Program, the series offers another systematically rotating coin design, this one featuring former U.S. presidents. These new coins offer an exciting way to be a part of history use and collect them all!

The United States Mint will mint and issue four Presidential $1 Coins per year, with Presidents Monroe, Adams, Jackson, and Van Buren being honored in 2008, and each will have a reverse design featuring a striking rendition of the Statue of Liberty.

2008 5 James Monroe             1817-1825
           6 John Quincy Adams   1825-1829
           7 Andrew Jackson         1829-1837
           8 Martin Van Buren        1837-1841

Please visit the U.S. Mint at http://www.usmint.gov/mint_programs/$1coin/index.cfm?action=schedule for the complete schedule.

“Most people don’t find out they have been a victim of stolen identity until they are turned down for a loan or credit card. A copy of their credit report explaining the denial may unveil weeks or months of fraud.” ~CNNfn.com

In addition to catching reporting mistakes, checking your credit report regularly can help you catch identity theft/fraud before they wreak havoc on your personal finances.

When checking your credit, make sure the report contains only accounts and creditors authorized by you. If you do not recognize a transaction, feel free to ask. After all, it is your credit information.

All consumers are entitled to receive one free credit report every 12 months from each of the three major credit bureaus.

Your free credit report can be requested by:

Website: https://www.AnnualCreditReport.com
Telephone:1-877-322-8228
Mail: Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Do you dislike the hassle of shopping for a vehicle – whether it be new or used? Do you feel inadequate and taken advantage of? Well no more! Your credit union offers you a great shopping experience by using VERVE’. Verve’ takes the hassle and the added cost out of auto buying for credit union members only.

If you need a brand new Mercedes or even a low cost used vehicle for your child – VERVE’ will do the work for you and there is no cost. They will also negotiate the best trade in deal for your current vehicle and you never have to go to a dealership. Verve’ comes to you! If you are “upside down” in your current vehicle – they can still work with you. During the year 2007, VERVE saved National Guard CU members $120,765.00 in car deals.

If you want to get started – come into any branch of the credit union or go directly to VERVE 803-933-0155 or online at www.verveauto.com.

***2008 Holiday Schedule***
September 1, 2008	Labor Day - Credit Union Closed
October 13, 2008	Columbus Day - Credit Union Closed
November 11, 2008	Veterans Day - Credit Union Closed
November 27, 2008	Thanksgiving Holiday - Credit Union Closed
December 25, 2008	Christmas Day - Credit Union Closed