Protect Yourself AND Your Wallet!

The days of writing checks for most purchases have been replaced with using computers and even our phones to make payments.  These advances are great, but they present more opportunities for fraudsters to gather your information.  Identity theft is growing at an alarming rate, and it’s not a question of if identity theft will happen, it’s a matter of WHEN!  Today, there are more than thirty different types of identity fraud reported to the Federal Trade Commission, meaning, you may have been affected in ways you have never dreamed of.

Our goal is to protect our members and to act in their best interest.  We see identity theft as a current and real threat to your financial health, and we want to be proactive in our response while maintaining best practices to keep your information safe.  Therefore, we are proud to have partnered with NXG Strategies – a leader in identity theft remediation and data breach response – to provide an account with services to meet your security needs.

Identity Theft Services are Available!

Do you have an Affinity Plus account?  Good news!  You are already covered!  In addition to earning cash back and 2.00% Annual Percentage Yield* [APY], Affinity Plus includes defense against the ever-increasing risks associated with identity theft.  As a member of this account, you always have access to Fully Managed Identity Theft Recovery.  This service provides you with a personal Privacy Advocate standing by to research, and resolve, any identity theft issue that you may suspect!  This service is available to 3 generations of your family as well – a way to ensure your entire household stays safe and has a resource to rely on!

Primary account holders also have access to continuous identity monitoring services and alerts at no cost, such as:

  • Credit Monitoring with Rapid Alerts
  • Monthly Credit Score
  • Annual Credit Report
  • Dark Web Monitoring

Visit us at https://www.youracu.org/affinityplus/ and click on “Identity theft coverage” to register for these services and activate your monitoring today!

Think you are a victim?

An identity theft incident occurs when an unauthorized person uses your personal information to commit fraud.  Your personal information includes your name in combination with your social security number, account numbers, date of birth, address, email address, and state or federal issued ID such as driver’s license or passport.  Common types of identity theft include account fraud, credit/debit card fraud, tax fraud, employment fraud, government documents and benefits fraud, and medical fraud.

If you see unfamiliar transactions on your credit card or bank account, receive statements in the mail from a creditor you don’t recognize, or you find notations on your credit file for debts you did not incur, you may be a victim of identity theft.  If you suspect that someone might be using your identity or information, it’s always wise to check it out.  If it’s a false alarm it will give you peace of mind knowing that your identity is secure.  As an Affinity Plus account holder, you and your family can take advantage of our team of professional fraud investigators standing by to help by calling 1-800-357-6392.

At ACU, we believe that identity theft detection and recovery services are essential services for consumers.  Rest assured that we will be here to help if identity theft strikes.

 

*APY=Annual Percentage Yield accurate as of 11/1/2018. Rates are subject to change. Limited to one Affinity Plus Checking account per primary account holder. Only consumer accounts in good standing are eligible. Qualifying accounts receive reimbursed ATM fees up to $10 per month. Balances over $25,000 do not earn dividends on the portion of the balance over $25,000. If qualifications are not met, all balances earn 0.00% APY. Qualifications do not have to be met to receive cell phone and identity theft insurance. Your wireless carrier may charge a data or text messaging fee. Please check with your provider. The Qualification Cycle is defined as the first calendar day of the month through the last calendar day of the month (example: March 1–March 31). The advertised Affinity Plus APY is based on compounding dividends. The qualification cycle is not the same as your monthly statement cycle. Transactions may take one or more banking days from the date the transaction was made to post to and settle in the account. ATM-processed withdrawals do not count as qualifying debit card transactions. Accounts that do not satisfy the requirements of the account will still receive the insurance products and will be eligible for benefits in the following month. Secondary checking accounts for members who have more than one checking account will be designated as Affinity Basic accounts, which do not offer the extra benefits of Affinity Plus.* A separate fee may be charged by the institution that owns or operates the ATM.

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