Spirit Quarterly Newsletter

eStatements are convenient, organized, secure and are available to view several days earlier than a mailed paper statement. Sign up for eStatements via Online Banking or your Mobile App.

We send you an email to let you know when your eStatement is available to view, so it’s important to keep your email address current on your account. Make sure you review your eStatement monthly, and let us know if you have any questions.

 Check out our Disaster/Hurricane Resource Center to prepare for a storm.

 EFCU is excited to announce our new Debit and Credit cards are contactless! In addition to new card designs, your new card number, name and expiration date will now be on the back of the card. The new cards are being issued by expiration date, and we are accelerating the reissues so you will receive your new card before your current card expires. The number to activate your new card is 866.762.0558. To use your contactless card, look for this symbol and simply place or hover your card just above the contactless symbol at the checkout. It’s fast, secure and convenient. PINs and signatures are not needed at most merchants. Just tap and go. For more details about EFCU’s new contactless cards, visit eglinfcu.org/contactless.

 Mobile Wallets, or contactless payment through your mobile device, is another quick, secure, touch-free payment option. Simply add your EFCU Debit or Credit cards into Apple Pay, Google Pay or Samsung Pay to safely store your card information. Shopping online and in person has never been quicker! And it’s secure. A unique sequence of characters, also known as a token is transmitted, rather than your actual card information, so merchants do not have access to your card number, expiration date or CVV number. To learn more about mobile wallets, visit eglinfcu.org/wallets.

 Another great option to help protect your EFCU Debit and Credit cards is the EFCU CardControls App. You have the ability to turn your card off and back on at your convenience. For example, if your card is lost or stolen, you can turn the card off so that it cannot be used. You can also set up alerts to be immediately notified of card transactions on your account. You can set spending limits, set geographic limits and more. To sign up, click the CardControls link in the Eglin FCU Mobile App to take you to the app store and download CardControls. Once installed, you will use the link in the Eglin FCU Mobile App to open the CardControls app. For more details about EFCU’s CardControls, go to eglinfcu.org/cardcontrols.

Identity theft is one of the fastest growing crimes in the country. At EFCU, we are doing all we can to help protect you. One growing call scam tactic we want you to be aware of is voice phishing, or vishing calls.

In vishing scams, callers pretend to be your bank, credit card company or other company to con you into giving them personal and financial information. Scammers can even use software to fake a caller ID number that looks legitimate. Vishing calls could come immediately after a response to a fraudulent text message, often masked as a fraud alert for a recent (fictitious) card transaction. A vishing caller may make claims about the status of your accounts, your debit cards or credit cards. They ask for your bank or credit card information, which they use to steal your identity and money.

Put a stop to vishing scams! Follow these tips to help protect yourself from fraud:

•  When a caller claims to represent EFCU, your credit card company, or another company, hang up and call that company’s official number. Always verify the company’s number with the information you have, like the back of your credit card or the company’s website.
•  Don’t answer calls from unknown numbers. If you accidentally answer a call like this, hang up.
•  If you answer a call and the caller or recording asks you to press buttons to stop getting the calls, just hang up.
•  Do not respond to any questions, especially those that can be answered with “Yes” or “No.”
•  Never give out personal or financial information over the phone, such as account numbers, Social Security numbers, mother’s maiden names, passwords or other identifying information in response to unexpected calls or if you are at all suspicious. This is especially important if you did not initiate the call.
•  EFCU will never contact you asking for your password, PIN, one-time code or other logon information. We also never ask you to download software in an email or while you’re on the phone with us. If you’ve provided any information through this type of call or text, call EFCU Card Services at 800.367.6159, option 1.

If you receive a scam call, notify the company being impersonated. You can also report the call to the Federal Communications Commission at fcc.gov/complaints or 888.225.5322 or the Federal Trade Commission at ftc.gov. Both of these agencies have great information about the latest scams on their websites. You can sign up to receive FTC consumer alerts from the Federal Trade Commission on their website.

Your money is safe at a federally insured credit union. Deposits at all federal credit unions are federally insured by the National Credit Union Administration (NCUA). NCUA insurance covers $250,000 per account owner, per institution and per ownership type. The NCUA manages the National Credit Union Share Insurance Fund and regulates, charters and supervises federal credit unions.

The NCUA has information on their website available to credit union members at ncua.gov and mycreditunion.gov/share-insurance, or you can call them at 800.755.1030 and choose option 1. You can also come in to your local EFCU branch and pick up an NCUA booklet to learn more.

Interested in keeping an eye on your credit report and seeing your credit score for FREE? Want to see the factors that affect your score and get tips on how to improve it?

If you are an Online Banking user, you can log in to your EFCU account, and click on the “Track my Score” button to have access to your credit report as often as you like without impacting your credit score. In the Mobile App, you can find it under the “view your free credit score & report” button. This service is FREE and offers the following benefits:

•  Refresh your score daily
•  Get email notifications when changes occur on your report
•  Full credit report
•  Use the Credit Score Action Plan to get your own detailed plan on how to improve your score
•  Credit score simulator
•  Credit scorecard and tips
•  Take advantage of money-saving tips on budgeting and spending
•  Find the best rates on new loans, credit cards or refinances, based on your credit score
•  Credit score education