Celco Centinel Fall/Winter 2018

Celco Community Credit Union

The Perfect Gift That Always Fits This holiday season, the people on your list can choose their own special gifts with a Visa gift card from Celco Community Credit Union! Rest assured that you are giving the gift that’s easy to spend, safer than cash and never the wrong size, color or style! Plus, they can be used practically everywhere – electronics stores, department stores, online – anywhere that accepts Visa debit cards. Visa gift cards are smart, thoughtful and always well received. Visit our office today to purchase yours! The new EMV cards contain a microchip that generates a new number every time you use the debit or credit card at a pay terminal, making skimming – stealing the card's information using an illegitimate card reader – almost impossible. While these chip cards reduce card fraud, new scams are proving they won't completely stop it. Consumers still need to keep their guard up to avoid being the victims of identity theft. Scam artists send bogus emails posing as your credit card company, claiming they need updated account information or asking you to click on a link to continue the process, according to the Federal Trade Commission. Performing either of those actions will expose you to risk, giving the scammers access to information they can use to hijack your identity or install malware on your computer that could provide them with your passwords and financial information. There's no reason your card issuer needs to contact you by email or to confirm

Narrows Office 3381 Virginia Avenue - P.O. Box 361 Narrows, VA 24124 540.921.2700 Fax 540.921.4653 Pembroke Office 5862 Virginia Avenue Pembroke, VA 24136 540.626.2700 Fax 540.626.2703 Hours Monday - Friday 8:00-5:00 CLOSED - Saturday & Sunday ATM Locations: Narrows Office Pembroke Office Carilion Giles Community Hospital www.celcofcu.org

New Scams Circumvent Chip Cards

personal information before sending you a new chip card. To identify a fake email, look for these telltale signs: 1. A fishy email address. If it looks overly long or otherwise clearly not associated with your card issuer, then delete. 2. A generic salutation. Does the email begin with "Dear Customer" and appear to know very little about you? Most legitimate emails include the last four digits of your card number. 3. A suspicious link to your account. Never click on a link in an email – it's safer to go to your account login manually using a bookmark or typing the URL. If you have any questions about your card, call the 800-number on the back. While the new EMV cards are safer – they're not perfect. Even if you've already received your EMV cards, it's still important to check your account often, and report any unusual activity to your card issuer.

Reminder: Dormant Account Fee

Members who have a share savings account and have no transactions for 18 months will incur a monthly $5 inactive fee, which will automatically b e d e d u c t e d f r om y o u r account. Dividends posted to y o u r a c c o u n t a r e n o t considered a transaction.

Source: Home & Family Finance Resource Center