ACPE Federal Credit Union
CALL IF CARD IS LOST OR STOLEN:
2835 E. Grand Avenue
VISA Credit Card: 800-247-4222
Laramie, WY 82070
Advantage Debit Card: 800-754-4128 (inside US)
Website updated May 9, 2008 414-341-6535 (outside US)
IRS WARNS OF STIMULUS PAYMENT SCAM: Thieves are contacting taxpayers by phone and email claiming to be IRS agents needing personal information including account numbers in order for people to get the stimulus payment. The IRS has all the information it needs to get the payments to individuals. Anyone asking is a thief and scammer! If you filed a 2007 tax return and included direct deposit information with your return, expect the payment to be credited to your account as follows: (i) if the last two digits of the taxpayer number are 00 to 20, the deposit is supposed to be credited on May 2; (ii) if the numbers are between 21 and 75, the deposit should be credited on May 9; and (iii) if the numbers are 76 to 99, expect the payment on May 16. Paper checks are expected to begin being mailed on May 16. For more information, go to www.irs.gov and click on "Stimulus Payment." Some veterans, social security recipients and others who do not normally have to file a return or pay tax are also eligible for a stimulus payment; however, a 2007 tax return must be filed even though that person has no taxable income. Check www.irs.gov for more about this.
SIGN UP FOR E-STATEMENTS AND BE ENTERED INTO THE DRAWING: Two years ago e-statements became available as a replacement for paper statements. E-statements are available just after the first of each month, and less expensive to the credit union to process than paper statements, which may not arrive in the mail until the 10th or later, and safer from thieves who want to steal your identity. To encourage ACPE members to utilize e-statements, we will be having a drawing among e-statement users. If you do not already get e-statements, just call or come by and our staff can get you enrolled. If you have been using e-statements, you will also be entered in the drawing and need to do nothing else but enjoy the benefits of e-statements. Sign up for e-statements and save a tree.
ADDED SECURITY FOR ONLINE BANKING: Beginning April 1, 2008, an additional layer of security will be added to your sign-in procedures to the online banking system. You will be asked five questions and then each time you sign into the system you will be asked to answer at least one of the questions. This extra layer of security has been mandated by our NCUA examiners to protect both you and the credit union from fraud. The questions will be in addition to the graphic text you are already using. We apologize for any inconvenience this may cause, but we feel it is necessary to keep your accounts safe.
INFORMATION ABOUT ELECTRONIC CHECKS AND SHARE ACCOUNTS: With electronic transactions such as electronic checks becoming so common, ACPE would like its members to know that electronic checks cannot be drawn on Share (savings) accounts. This may be difficult for those without checking accounts when trying to pay expenses online or over the phone. Such attempted transfers are in violation of Federal Reg D requirements. Further, balances in Share accounts are prohibited from becoming overdrawn by federal law.
ACCOUNT INFORMATION VERIFICATION BY ACPE: In light of increased fraud activity and identity theft, ACPE staff will be asking members to verify their account information such as address and telephone number. ACPE makes every effort to maintain current critical information on member accounts; however, with cell phones rapidly replacing land lines, some information has not been reviewed and/or updated. We thank you in advance for your cooperation.
HOW TO AVOID ERRORS WITH ELECTRONIC SERVICES: As more and more of our members are using electronic services such as online bill pay and automatic deposits, the opportunity for error in account number identification has risen. When setting up automatic deposits, authorizing a payment over the phone or paying bills online, please use extra care and double check account numbers. It is also helpful to include your name in case an error has been made in the process. Thank you for helping us better serve you.
EMAIL FRAUD ALERT!! - An email supposedly from National Credit Union Association (notice@ncua.gov) that their account is suspended or their check card has been compromised and blocked is circulating. THIS IS A FRAUD and the proper response is to ignore the email. If we have reason to suspect your credit or debit card has been compromised, we will contact you directly. NCUA never contacts credit union members at all. If you have responded and given out personal information, call us immediately!!
ADDITIONAL SECURITY ADDED TO MEMBER ACCOUNTS: When making a transaction at the credit union, you may be asked for a code word to be placed on your account along with a picture ID to be scanned into the operating program. In light of efforts by identity thieves and others, such efforts are necessary to protect member accounts from loss as well as the credit union. Since all members are owners of the credit union, these measures help to foil attempts to steal from all of us because losses suffered or absorbed by ACPE impact the amount of interest paid on share accounts as well as loan rates and other service costs. Thank you in advance for your cooperation.
IMPORTANT INFORMATION ON STOP-PAY ON CREDIT UNION ISSUED CHECKS - If you have ever had a check issued from ACPE or another banking institution, you need to know about a few things. These checks go by various names: cashier’s checks, bank checks, teller checks. They are not issued unless the funds are available and withdrawn from the purchaser’s account. All institutions and businesses around the country recognize these “certified” checks as valid, negotiable instruments and that the funds are collectible.
According to UCC Rules, a stop pay order cannot be issued unless and until the instrument is lost, missing or uncashed for a minimum of 90 days. Then in order to process the stop pay order, a Declaration of Loss must be completed and an indemnity bond obtained from an insurance agency by the purchaser. Such bonds cost around $75.00 and are required by the UCC in order to protect the issuing institution from loss in case the check in question is located and cashed.
These rules do not apply to money orders, which have their own set of rules, or to personal checks.
These “certified” checks have a very important place in the transaction of business so please be selective when you choose to utilize one.
Protect your personal information! We at ACPE work diligently to keep your information secure. However, crooks continue to try to obtain your personal identification by many different means and from many different sources. Never, never, never give any personal information over the phone and shred your mail. Do not respond to any email saying it is from ACPE. We NEVER ask for information by email. These three steps can go a long way in preventing identiy theft. If you suspect you have been a victim of ID theft, contact us immediately so appropriate measures can be taken.
We have Visa Gift Cards! Choose any amount between $10 and $500. They are the perfect gift. One size fits all. There may be a small fee at the time of original purchase. Ask about the Visa gift card today.
NOTICE: As of October 1, 2006, a Dormant Account is defined as any Share (savings) account without member activity for three (3) years and any Draft (checking) account without member activity for one (1) year. Also, if member statements should be returned for three (3) consecutive months, the account will be considered a "lost contact member" and a Dormant Account. Beginning October 1, 2006, a service charge of $1.25 will be deducted monthly from each Dormant Account. If you have any questions, please call 745-4726 or 877-945-4726.
Welcome to ACPE, "Your Community Credit Union." Membership is open to all residents of Albany or Carbon Counties.
LOCAL: (307) 745-4726
TOLL FREE: (877) 945-4726
FAX: (307) 742-5238
EMAIL: vickiec@acpefcu.com
DRIVE UP HOURS: 8:00 - 5:30
Monday through Friday
Saturday 9:00 - Noon
LOBBY HOURS: 9:00 - 5:00
Monday through Friday
