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| Featured Promotion: Minor Accounts |
Kids can join too! It’s never too early to ensure a bright future for your child or grandchild!
Did your child/grandchild receive Birthday $, Christmas $, or have a job? Teach them to save & manage money with DOCCU by opening a savings account. Helping your child/grandchild to save, budget, and plan finances starts with only a $20 minimum deposit. B E N E F I T S
Come by the credit union today and open your child/grandchild a “savings” account. Make sure you bring their social security card with you when you come. A parent or legal guardian must sign as a joint owner for a minor account. Please see a Credit Union representative for more information. |
| NCUA Information |
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Your accounts are federally insured by the National Credit Administration (NCUA). The Helping Families Save Their Homes Act of 2009, signed into law on May 20, 2009, continued an increased level of insurance coverage on all accounts up to $250,000 through December 31, 2013.
To learn more contact the NCUA Call Center by calling 1-800-755-1030 ext. 1, or visit their website at http://www.ncua.gov/Resources/ShareInsuranceToolKit.aspx Be aware that by clicking on the link above, you are entering another website. Other websites may treat information they learn about you differently. We encourage you to read their privacy practices before giving personal information about yourself or your family. |
| Scam Alerts |
VISA Phishing Attempt The following email posing as Visa Card Services has been reported being received: Subject: possible fraudulent transaction with your Visa 4XXX-XXXX-XXXX-XXXX Dear VISA card holder, A recent review of your transaction history determined that your card was used at an ATM located in Belarus, but for security reasons the requested transaction was refused. You need to complete the VISA card holder form. You can do this by clicking the link below: <website address referencing link inserted here> VISA Cards Support THIS IS NOT A LEGITMATE EMAIL.IT IS AN ATTEMPT TO OBTAIN PERSONAL INFORMATION. Please do not open or respond to emails such as this. Visa does not send email notifications to verify suspicious information.
Text Phishing Scams There have been reports of text messages being sent to members’ claiming to be from various financial institutions (banks and credit unions) for the purpose of obtaining personal information. Members are told that their bank account has been closed due to suspicious activity, or they are asked to call an 800-number to “verify information on file”. Unsuspecting callers who dial the number provided in the text message, is taken to an automated voice mail that prompts them to enter personal information. The following tips will help members to avoid becoming a “smishing” or identity theft victim:
Further, Department of Corrections Credit Union will never contact members via text messaging therefore any messages received through such are most certainly fraudulent. To report fraudulent text messages, emails, or telephone calls seeking personal information contact the Louisiana Attorney General’s Office at 1-800-351-4889.
Be Cautious & Protect Your Identity – If you are approached by anyone posing as a Census worker, do not release confidential information such as your social security number, card or account numbers. Never click on a link or open any attachments in an Email that are supposedly from the U.S. Census Bureau. |
| Autos For Sale! |
| 'Autos for Sale' page has just been added! This page will display a current listing of autos for sale by DOCCU. CLICK HERE or click on 'Autos for Sale' under 'Products and Services' |
| Identity Theft Information |
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| Regulation D Limitations on Withdrawals and Transfers from Savings |
What is Regulation D?Federal Regulation D places a monthly limit on the number of transfers you may make from your Savings Account without your physical presence being required. Transfers affected by this regulation include: § Transfers made using Audio Response § Transfers made using Online Banking § Overdraft transfers made to cover insufficient funds in other accounts § Transfers made by a Teller or Member Service Representative § Pre-authorized, automatic, scheduled or recurring transfers You are allowed six (6) transfers per month, per savings account.
What transactions are not affected by Regulation D?§ ATM withdrawals § Transfers made to DOCCU loans § Transactions made in person at a branch § DOCCU Bill Pay which uses funds from your checking account. Tips to help you manage your savings accounts and avoid Regulation D limits:§ Plan ahead and make one large transfer instead of several small transfers. Each regulated transaction counts as one transaction, no matter what the dollar amount is. § Balance your checking account on a regular basis to limit the number of overdraft transfers from your savings account. § Set automatic ACH withdrawals from merchants to debit your checking account instead of your savings account since checking transactions are not subject to Regulation D.
If an account used for Overdraft Protection has reached its Regulation D limit, will overdraft requests be honored?If the source of overdraft protection is a savings account, we may return items once the number of transfers has been exceeded. You will receive a notice by mail, and incur an NSF fee for every overdraft attempt beyond your monthly limit. However, Overdraft Loans are not subject to Regulation D and the overdraft will complete normally. To apply for the Overdraft loan, you may apply online or contact your nearest branch location. FEDERAL RESERVE REGULATION D IS A DIRECTIVE OF THE GOVERNMENT, NOT OF DOCCU |
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