Is my money safe at the Credit Union? Can I visit my local 1st United branch? Get answers to some of the most popular COVID-19-related questions we’ve received. We're here for you! 👉Link in Bio
We will be closed Monday, May 25, 2020 in observance of Memorial Day. Please utilize online and mobile banking for account information. 1stunitedcu.org/online-mobile #staysafe #alwaysremember
Given rising financial concerns and increasing fraud schemes due to the Coronavirus pandemic, monitoring your credit report is more critical now than ever. Recognizing the importance of credit monitoring during this time, the three credit reporting bureaus – Equifax, TransUnion, and Experian – are now offering free weekly credit reports through April 2021. Typically, we recommend checking your Equifax report at the beginning of the year, TransUnion mid-year, and Experian at the end of the year so you can best spot changes or discrepancies. If you have concerns about missed payments, collections, or fraud, we recommend checking your reports at least monthly or more frequently to monitor for issues. HOW TO REQUEST YOUR FREE CREDIT REPORT Requesting your free credit report is easy and can be done online, by phone, or by mail. And checking it does not affect your score. Here’s how: ONLINE – Visit annualcreditreport.com to request your credit report from any of the three credit bureaus. This website is authorized by the Federal government and the only recommended website to obtain a fully accurate report. Once you are verified, you’ll be able to download and print your report immediately. BY PHONE – Simply call (877) 322-8228 to reach the Annual Credit Report Request Service Center to be verified by phone. Your report will be mailed within 15 days. BY MAIL – Print and fill out the credit report request form and mail to the address below. Your report will be sent to you by mail within 15 days. Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281 MONITORING YOUR CREDIT REPORT Once you receive your report, you may have questions about how to read it or report errors. We have several resources for you at 1stunitedcu.org/moneywise. WE’RE HERE TO HELP If you have questions about your credit report, let us know. We are here to help.
Money scammers are increasingly targeting Alameda County teens under the ruse of a romantic interest or make-money-quick scheme. We are concerned about the welfare of our members and community and want to be sure families are aware of how their teens are being contacted. A PROMISE OF MONEY Criminals are connecting with teens through social media, romance websites or by text and offering the potential for the teen to make or receive money. Through the interaction, the teen is given a check or photo of a check to deposit into their account and are instructed to keep a portion of the money and send the rest back by Venmo, pop money, or by mailing gift cards. In some cases, the teen is coaxed into providing their mobile banking login information and the fraudster deposits the check themselves. Eventually, the check comes back as counterfeit and the victim is left owing the Credit Union money. TEENS SHARING DETAILS We have learned that teens are sharing text numbers and websites amongst each other as a way to make money which is causing the fraud to spread at an incredible pace. We encourage families to speak with their teens about these schemes. 1ST UNITED OFFERS THESE POINTS WHEN TALKING WITH YOUR TEEN: 1️⃣ Risks of meeting online. Make sure your teens know the risks of meeting people online and accepting money or checks from strangers. 2️⃣ Never deposit checks from strangers. It’s safer to accept cash, a cashier’s check, or PayPal if someone needs to pay you money. It takes several days for a check to fully clear, even if the funds are not on hold, and the account owner is responsible for any funds withdrawn against it. 3️⃣ Never provide personal information. Account numbers, Social Security numbers, bank login information, passwords, or even cell phone numbers can give fraudsters surreptitious access to your money. 4️⃣ Trust your instincts. If the offer is too good to be true, it probably is. IF YOU SUSPECT FRAUD If you believe you or your teen have been a victim of fraud, call your bank or credit union immediately so they can take steps to protect your accounts. You should also file a complaint with the FTC and contact your local police department.