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Top
Tips for ATM use |
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Tip
1: NEVER disclose your PIN to anyone, whether it be family
members, the credit union staff or police. |
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Tip
2: Do not use obvious and guessable numbers for your
PIN, like your date of birth. |
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Tip 3: Be aware
of anything that looks unusual or suspicious about the ATM. If
the ATM appears to have any attachments to the card slot or keypad,
do not use it. Check for unusual instructions on the display screen
and for suspicious blank screens. If you suspect the ATM has been
interfered with, proceed to another ATM and inform the financial
institution. |
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Tip 4: Avoid
ATMs which have messages or signs fixed to them indicating that
the screen directions have been changed, especially if the message
is posted over the card reader. Banks and other ATM owners will
not put up messages directing you to specific ATMs, nor would
they direct you to use an ATM that has been altered. |
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Tip 5: If you
feel the ATM is not working normally, press the Cancel key and
withdraw your card and then proceed to another ATM, reporting
the matter to your financial institution. |
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Tip 6: Never
force your card into the card slot. |
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Tip 7: Keep your
printed transaction record so that you can compare your ATM receipts
to your monthly statement. |
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Tip 8: Don’t
hurriedly complete an ATM transaction, and make sure to carefully
secure your card and cash in your wallet, handbag or pocket before
leaving the ATM. |
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Tip 9: Regularly
check your account balance and bank statements and report any
discrepancies to Cornerstone immediately. |
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Check 21 |
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What does the term “Check
21” mean?
In October 2004, the Check Clearing for the 21st Century Act
– or Check 21 – changed the way checks are cleared
in today’s financial world. |
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What does Check 21 mean
to me?
In addition to increased security and less cost associated
with check processing, Cornerstone members will experience much
faster processing of checks via the use of a “substitute
check.” |
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How does Check 21 work?
As its legal equivalent, the actual check is “replaced”
by an electronic image, which is then immediately transferred
for clearance. The new way in which Check 21 allows for check
clearing will result in less “lag time” between
when a check is written and when it is processed against your
checking account funds. |
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Where can I learn more
about Check 21?
A Cornerstone member services representative will be happy
to answer your additional questions about Check 21 today! |
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Identity Theft:
What You Should Know |
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Identity thieves are good at what
they do because they work hard at it. To keep even the most motivated
identity thief from wrongfully obtaining your information, here
are a few helpful hints to remember. |
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- Monitor your bank statements every month
- Order your credit report twice a year and check for discrepancies…immediately
correct any mistakes by written request**
- Shred all paperwork with identifying information before
throwing it away…the best thing to do is buy a cross-cut
shredder, or use scissors to cut papers in strips top to bottom
- Be aware of when new or renewed credit cards should arrive
in the mail
- Use fictitious words (and NOT your mother’s maiden
name) as passwords on all accounts
- Do your homework…ask doctors, banks, etc. what they
do with your personal information and how they dispose of
it
- Do not put your phone number or social security number
on checks
- Install firewall and anti-virus software on your computer
- Submit credit card information on the Internet ONLY if
it is encrypted on a secure site…check for the “closed
padlock” symbol in the bottom corner of the screen
- Do not give personal or account information over the phone
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**You could be eligible for a
free credit report from each of the three credit reporting agencies:
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Equifax www.equifax.com
1-800-685-1111
Experian
www.experian.com 1-888-397-3742
TransUnion www.transunion.com
1-800-916-8800
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