Online ATM and Debit Card Reissue

All Instant Cash ATM and VISA Instant Cash and Check Cards will be reissued during the month of July. They will have a different look. Once you have activated the new card you can begin using it on July 28, 2010. Your current cards will no longer work as of that day. We realize that this may cause a hardship to a few of our members, and please bring any of these problems to our attention immediately. Hopefully they can be resolved in a timely manner. The new system will bring our ATM’s Online with your current balance. Also, when using your Debit Card (Cash and Check Card) the balance will be verified with your current balance with us. This will eliminate NSF charges. You will have to change to the new number with any reoccurring transactions you may have set up with the old card. Most cards will have a $209 ATM limit and a $500 Point of Sale limit, per day. The change over did not carry existing limits that were in place. If you need your limit changed please contact one of our offices and we will make the change for you. All PINS will be new, and can only be changed by you. No longer will we have the ability to change them at our office. If a PIN is forgotten, a new one will be mailed to you.

E-Alerts *

With Home Teller you automatically will get the E-Alerts option. This option is located on the left side of the Home Page of the Home Teller. By clicking on this, you will be able to set up reminders that are emailed to you. For instance you could have it alert you when your checking balance is below $25.00, if a certain check number clears, etc. If you are already on Home Teller check it out. If you have access to the Internet, sign up for Home Teller at www.ishpemingcu.org !

E-Notifications *

This option is available by request. You will find the option, in Home Teller, under Services. By agreeing to this option, all of your notices will be sent to you, inside of Home Teller. The notices included are: Maturity, NSF, Delinquent and some Tax Notices. This option will provide you a same day email, directing you to these important documents, inside of Home Teller. Also, the benefit to the credit union is the decrease in postage. We encourage you to sign up for this benefit.

E-Statements *

As of July 1st, all Home Teller users will be able to pick up their statements, (June’s would be available) inside of the Home Teller. If you were already receiving E-Statements, the site you had been directed to, will no longer exist. You still will receive an E-mail letting you know that the statement is available for viewing in the Home Teller. If you prefer to use the Home Teller, however, wish to have a statement mailed to you, you will need to sign an "Opt Out" form at one of our offices. You may also Opt Out of this feature with a secure email from your Home Teller site. We encourage you to sign up for this benefit also.

Tuesdays just got better

Our Members Financial Representative is now "more" available on Tuesdays, at our main office. As a member of the Ishpeming Community Federal Credit Union you are entitled to utilize his services for your financial planning. Retirement, marriage, college are some of life’s events that trigger financial planning. Geno Maino will be happy to meet with you on Tuesday or any day that fits your schedule. Call us today and schedule a meeting. Planning for your future should be a top priority! Call 906-485-5563 or stop in.

E-Statements - Faster - Safer and Greener!

Thank you to all of our E-statement members. If you are not in that circle, may I suggest you sign up. The bottom line is, postage and paper are expensive. If you have the ability to receive your statement electronically on your home computer, you should be considering it. You will have access on the first day of the month - you will have contributed to a greener planet - and saved your credit union money! It’s a win-win situation.

Bringing more Surcharge-Free ATM Access to you!

Access to over 20,000 Nationwide Surcharge-Free ATM’s through our CU HERE Program and our participation with the MoneyPass program. Look for any of these logos on the ATM or go to Credit Union 24s online ATM locator at www.cu24.com to find the nearest convenient location. You will also find off-premise locations at supermarkets, convenience stores and retailers such as Target, Costco, Walgreen’s, CVS, Publix Supermarkets and Chevron. Most of the locations can offer surcharge-free cash back with their purchases for added convenience. Should you travel internationally; there are over 2,500 surcharge-free ATM’s in the United Kingdom and access in Canada, Guam and Puerto Rico.

BILL PAY AVAILABLE!

We are now offering Bill Pay along with the Home Teller. You must have an active Checking Account (not Money Market) to sign up. This feature is at no cost to you. We do ask that you have at least 4 payments per month. Your service may be removed if two consecutive months, without the minimum, occur. We can reactivate you without any loss of your current Bill Pay Information and History. View the demonstration on our Home Page !!

Traveling with your Visa Card?

If you are going on vacation or traveling out of your normal spending areas, please contact Visa Card Services at 800-828-3901 before you leave. They will flag your account to your travel plans so you will have no problems using your credit card.

Get Your Free Credit Report

The Fair and Accurate Credit Transactions Act (FACT Act) signed into law on December 1, 2003 provides all Americans the right to check their credit report once every year . . . for free.

We urge you to order your free annual credit report. Check it for errors and follow the tips listed below to improve your overall credit rating:

  • Pay your bills and loans on time.
  • Keep your overall debt as low as possible.
  • Keep a handle on credit cards. Too many cards or high revolving balances are red flags to lenders and can reduce your overall credit score.

If you would like assistance interpreting your credit report, please order a copy and visit any loan officer at the credit union. We will be happy to review it with you and answer any questions. We will also provide you with your credit score, which is not included in your free credit report.

There are three ways to request your free annual credit report.

  1. On the Internet at www.annualcreditreport.com or go to our credit union website at www. ishpemingcu.org. Click on "Links" and click on "Free Credit Report."
  2. By calling toll-free 1-877-322-8228
  3. By mailing your request to:

Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281