Whats
New?
Your Money is Safe at Our Credit Union
The closing of IndyMac Bank and the resulting media reports about FDIC coverage are raising questions about credit union insurance coverage in Missouri.
Show Me Credit Union wants to assure you that your money is safe in a credit union. Since 1970, credit unions have been federally insured through the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Administration. The U.S. government backs this fund with full faith and credit just as it does the FDIC. NCUSIF provides the same amount of coverage for credit unions as the FDIC does for banks: up to $100,000 per depositor and additional coverage of up to $250,000 per depositor for other types of accounts, such as IRAs.
For more information about your account’s coverage, contact your credit union or see the NCUA’s insurance estimator at: http://webapps.ncua.gov/ins/
Online Bill Payer Service
Electronic bill payer through our online banking product Home Financial Services is available to you free of charge. You must have a checking account and subscribe to Home Financial Services in order to qualify for Bill Payer. Contact the credit union if you would like to have access to this service. To watch a tutorial, click on the link below.
Click Here
Check Prices Increasing
Due to increasing expenses for mailing and supplies at our check printer, effective 3/31/08, our club check prices will now be $15.00 per box. Club checks continue to be free for students and direct deposit members. Other check styles are also increasing. Contact the credit union for further details.
ATM Security
Misleading stories have been circulated over the Internet and through other sources in reference to entering your PIN backwards at an ATM terminal to signal distress or dangerous situation, such as kidnapping or robbery. These stories are false. Entering a reversed PIN does not send a distress signal through the ATM network. If you would like information on ATM safety tips, please visit the Publications and Industry News section of CardAlert Fraud Manager located at the Internet link below.
Click Here
Electronic Statements Now Available
e-Statements, an electronic version of your account statement, is now available to our members. This is a free service. You must be enrolled in Home Financial Services online banking to have access to e-Statements. To apply for e-Statements, login to HFS as usual and click on the Services button. Select the link Change e-Statement Options. Fill in your current email address and select the e-Statement Only option in the Statement Option field, and click the Submit Changes button at the bottom of the screen. This will send a message to us that you want e-Statements. We will set you up and you will be ready to go. To access the e-Statement, click on the Statement link on the HFS Account Summary page.
Home Financial Services has Enhanced Security
We have added enhanced security to Home Financial Services online banking to protect your accounts. You will be required to enroll in this enhanced security by adding an image, personal phrase and security questions to your account. Instructions are listed on the HFS site. If you need additional assistance, contact Joanne Nelson at the credit union.
Using Home Financial Services is an easy, free way to monitor your accounts, make transfers and get copies of checks and statements. Sign up today!
Overdraft Advance
On 5/23/06 we started a program called Overdraft Advance which replaces our previous program of covering some of your overdrafts. This will not affect how your overdraft protection from savings or line of credit currently works. A full disclosure of this new program was included as an insert to your March account statements. Contact the credit union if you have questions.
VISA Credit Cards
Do you have a Show Me Credit Union VISA credit card? Thinking about getting one? All of our VISA credit cards are platinum at no charge to our members. If you don't have a VISA credit card with us, why don't you apply today so that you can take advantage of qualifying for our platinum card?
A Dream Home for You
Contact Cathy for information on our mortgage loan program. We are interested in helping you obtain the home you want and need. We have various loan rates and terms available to make your dream a reality.
Check Holds
Effective 10/1/06, any check you wish to cash or deposit which is for an amount of $2500.00 or more will be held for up to 11 business days before funds are available.
The Fair Credit Reporting (FACT) Act
The FACT act was signed into law in December, 2003 to provide changes to consumers concerning identity theft, accuracy of consumer reports and the receipt of marketing solicitations. Two requirements of this act that you should be aware of is that we may report information about your account to credit bureaus. Late or missed payments or other defaults on your account may be reflected in your credit report. To help prevent against identity theft, you may be asked for additional information when requesting a change of address on your accounts or credit cards. Contact the credit union for further details.
Effective March 1, 2005 you will be able to request one free credit report per year so that you can see where your credit stands. To access, go Online to www.annualcreditreport.com or call 1-877-322-8228 for information.
Identity Theft Help
Contact the credit union at any time for assistance in avoiding identity theft, or if you feel that you are a victim. The credit union's data processor, Fiserv, also offers a consumer credit monitoring program called AlertMe to which you can subscribe with Fiserv for a monthle fee. This service monitors your credit report daily and if any suspect activity is noticed, Fiserv staff will notify you and help you with resolution of any problems.
Please note that the incidence of identity theft, especially by an Internet scam called phishing, is on the rise. Phishers usually operate in one of two manners--by email, where the message makes you believe that something is wrong and the phisher will ask for your personal information (such as account, social security and/or credit/debit card numbers or passwords/PINs) and claim that if you don't give it, your services may be interrupted; and by a fake website that looks almost identical to websites you may have used in the past. To verify that the website you are visiting is valid, look for the locked padlock icon on the bottom of your browser screen. If the padlock is not there, the site is not a trusted, secured site. Never enter personal information on a non-secure site or give out personal information via email or telephone.
Show Me Credit Union and the National Credit Union Association will never ask you for personal information via email or Internet. If you are contacted via telephone by someone claiming to be with the credit union, ask him/her for contact information and call him/her back on the phone numbers you have for the credit union to verify that you are really talking with the credit union before you discuss your account. Please let us know if you have any questions or if you feel you have been victimized by a phishing scam. The Missouri Attorney General's office is also very helpful with cases of phishing.
Automated Teller
Show Me Credit Union's Automated Teller service gives you 24-hour* telephone access to your account. Contact us today if you have not already signed up for this free service.
*Alternate methods of accessing your account will be required during times of system maintenance.
Order Checks Online
A quick, easy way to reorder your checks is to click on the Reorder Checks link on the right-hand side of this page. This link will take you directly into the Liberty Check reorder program. You need to have your reorder slip from your last box of checks handy to use this program. You may also view check styles in this at the Liberty site. If you qualify for free checks, please remember that you may order only one box at a time. Additional boxes of checks ordered at one time will be billed to your account. You may order multiple boxes of checks at one time if you are paying for the checks.
Senior Club
Members age 60 and over can sign up to join our new Seniors Club. This club is managed by the members in the club so that the activities planned will be those which you want to happen.
If you are not already a Senior Club member, come in and sign up today.
Buddy the Bulldog Youth Club
Our youth membership, ages birth through 12 years, can enjoy Show Me Credit Union's Buddy the Bulldog club. Youth membership will receive Buddy newsletters, which will offer helpful tips for their financial future as well as fun activities and contests. Kids, join Buddy the Bulldog club today!!
ATM Locator
Use Show Me Credit Union's ATM for your cash needs. We belong to the Co-Op network, where network transactions are surcharge-free.
Or, if traveling outside of Mexico, click on the Find An ATM link on the right-hand side of our homepage to search for locations of Co-Op Network ATM's throughout the United States and Canada. It is updated daily. You may also call 1-888-SITE-COOP (1-888-7483-2667) to locate an ATM in the area you need. The credit union also has a printed list of surcharge-free ATMs in the central-Missouri area.
Debit Card Program
Show Me Credit Union offers debit (check) cards to our qualifying members. Debit cards allow you to make purchases which will automatically post to your checking account. The cards also double as ATM cards for access to cash. Come in to SMCU and pick up your debit card application today.
Purchase Opportunities
Show Me Credit Union periodically has repossessed vehicles or foreclosed properties for sale to our members. Contact Sarah or Chuck for details.
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