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Avoid Coronavirus-Related Scams
The rapid pace of change surrounding the COVID-19 outbreak has created an environment of confusion for many. Unfortunately, there are already reports of thieves trying to capitalize on that uncertainty in hacking and phishing attacks. As you seek out the coronavirus information, be sure to use your best judgement and keep the following in mind…
Make sure your source is reputable. Scammers are now sharing social media links that claim to provide COVID-19 information. In reality, they’re phishing attempts to steal your browser data and logins. Make sure you are visiting trustworthy news and information websites in the coming months. Bookmark your favorites to ensure they’re legitimate.
We will never call you and ask for account information. If you receive an unsolicited call or text from our number that asks for your personal info or online banking login, email or password, that’s not us! The credit union will always ask you to call us directly at the number you know in order to help you with your account. No matter what the caller ID says, it’s not us if you’re asked for this sensitive information. Never share your password with anyone.
The government won’t ask for your sensitive data, either. Concerns over temporary social rules and the talk of economic assistance programs have given hackers many opportunities to solicit clicks. While it may be tempting to read urgent-sounding links about quarantines or giveaways, make sure they’re coming from a trustworthy place. In some cases, hackers will claim to be from a federal agency like the Center for Disease Control (CDC) or the State of Iowa. If it doesn’t lead to a website ending in .gov, it’s not a federal or state website. Some local and municipal governments have different website standards, so make sure you’ve got the real deal in your bookmarks. When in doubt, give them a call.
Ultimately, the best policy for avoiding scams is simple – don’t open links in emails you weren’t expecting. If you have any questions about your account or credit union services, you can always give us a call directly at 800-245-6199 or visit our website.
In a press release from the National Credit Union Administration, members are reminded that their funds are safe with a credit union.
MEMBERS1st continues to deliver services in a way that meets the needs of our member-owners, while keeping our members, our staff and our community safe. Service may look a little different but our commitment to you is unchanged.
Due to the risks to members and staff associated with the COVID-19 pandemic, we are temporarily suspending service in our lobbies at all branch locations. However, we can still serve you via our drive-up lanes in Ames, Boone, Eldora, Iowa Falls & Marshalltown (Main & Center St.).
In the interest of the public good, we ask members to do their banking business electronically, whenever possible. Staff is available to help you sign up and will walk through how to use these services if you are not familiar with them. By calling 1-800-245-6199, you will receive a personal guided tour through our online or mobile banking.
- CU*Talk – Check balances, transfer funds within your account, or request a check over the phone
- It’sMe247 Online Banking – Transfer funds, request a check, apply for loans, or access electronic bill pay.
- Mobile Banking – Enjoy all of the features of Online Banking from your mobile device including mobile check deposit
- Loan e-Signature Service – apply for, sign, and receive funds on loans all via your mobile device
- ATMs – Get cash or, where available, make deposits into your account (please note that a two-day hold is placed on monies. The first $200 is released. Call the credit union if you need a release of the hold.)
- Electronic Services – All electronic services will continue to function fully including ACH (direct deposit and electronic) payments, debit and credit card transactions, check clearings, and automatic transfers
To thwart the spread of disease to our staff and our members, we are temporarily suspending service in all of our lobbies beginning Wednesday, March 18, 2020.
Cash services will be conducted through our drive-up facilities at Ames, Boone, Eldora, Iowa Falls, Marshalltown Center Street, Marshalltown 12th Avenue. Members in Traer may utilize ATMs and cash back on purchases using debit cards with PINs. Deposits may be made via night drop. Staff will check the night drop four times daily, Monday through Friday.
If you need help:
We understand that your household may be dealing with extraordinary circumstances. We are here to help.
- Members needing to defer their next loan payment may access our Loan Skip-a-Pay service online. The credit union will waive the $30 fee during the pandemic.
- Members needing additional help in paying for their loan should contact the credit union for solutions.
- Members needing to access funds in CDs may do so without incurring a penalty during the pandemic
- The credit union will increase the number of free ATM transactions from 4 to an unlimited amount, waiving the $1 fee.
- Emergency loans will be available to members financially impacted by the COVID-19 pandemic. Call the credit union at 800-245-6199 to determine which solution will best fit your situation.
Staff members are available by phone to help you work through your personal financial challenges. Please contact them at 1-800-245-6199 to discuss your situation and possible solutions.
Safety and security of your deposits:
Rest assured that your money is safe and secure at MEMBERS1st. Your deposits are insured to at least $250K by the federal government through the NCUSIF (National Credit Union Share Insurance Fund)
The rapid pace of change surrounding the COVID-19 outbreak has created an environment of confusion for many. Unfortunately, there are already reports of thieves trying to capitalize on that uncertainty in hacking and phishing attacks. As you seek out the coronavirus information, be sure to use your best judgment and keep the following in mind…
- Make sure your source is reputable.
- We will never call you and ask for account information.
- The government won’t ask for your sensitive data, either.
Ultimately, the best policy for avoiding scams is simple – don’t open links in emails you weren’t expecting. If you have any questions about your account or credit union services, you can always give us a call directly at 800-245-6199 or visit our website at www.MEMBERS1st.com.
Dear Valued Member:
No doubt you are inundated by information regarding the Coronavirus COVID-19. While this is unsettling to all of us, I would like to assure you that we have taken steps to ensure that you will continue to have access to services at the credit union.
We ask that our member-owners consider utilizing our many online and mobile services to conduct business. This is the best means for limiting your exposure to illness and has the added benefit of allowing you the convenience of conducting business from home. Almost all transactions can be done electronically, including applying for and funding a loan. If you have questions or need assistance in setting up or using these services, please call the credit union at 800-245-6199.
If you wish to do business in-person, the drive-up is always a good choice. Again, this will limit your exposure to illness. If you choose to come into the lobby, you will be warmly greeted, but you will no doubt notice that our infection control procedures have been activated. We know that we can count on you to understand the importance to taking precautions under the current circumstances.
If you are negatively impacted by the effects of the pandemic, we invite you to contact us for solutions to your challenges. Our staff works with members every day who encounter financial challenges and are well-practiced in helping during difficult situations.
Lastly, be assured that we will be here to serve you…it might just look a little different from what you are used to. We are closely monitoring this quickly-evolving situation regarding COVID-19 and have implemented the most current safety protocols from the Centers for Disease Control (CDC) and local government. If necessary, we will provide updates so you know how to best access our services.
I personally thank you for your membership, and wish you good health in the weeks to follow.
Janet E. Borer, CEO