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IMPORTANT SECURITY INFORMATION

The Family Community Credit Union will NEVER initiate a request for sensitive information from you via e-mail(i.e. SSN, password or account numbers). You should reject any request you receive by e-mail, phone or mail if they ask for any account or personal information from you. If you have given out any personal information over the phone, email or by mail, call us immediately. PLEASE TAKE TIME TO VISIT THIS SITE THAT WILL GIVE YOUR TIPS FOR THE SCAMS THAT ARE TAKING PLACE: http://www.onguardonline.gov/

BECOME A PART OF THE FCCU FAMILY!

We would love for you to become a member of Family Community Credit Union! You are eligible for membership if you live or work for a business located in Floyd, Butler, Mitchell, Chickasaw, Howard or Worth County. Family members are also eligible for membership. Family members are defined as: Spouse, sons, daughters, dependent children, foster children, adopted children, stepchildren, parents, brothers, sisters, parents-in-law, brothers-in-law, sisters-in-law, grandchildren and stepgrandchildren of the primary member. These persons can join through the family affiliation no matter where they live or work. Becoming a member is as simple as opening a share savings account with a minimum deposit of $5.00. We currently serve 5,100 members and we would be glad to explain our services. Experience the Credit Union difference!

FREE Bill Pay

FREE Bill Pay is now available on our upgraded Virtual Branch Home Banking system. You can customize this for you to pay each time or set up for automatic payments and change or update at your convenience. You can also set up automatic transfers within your credit union accounts. Check out the new features at www.fccucharlescity.org and click on-line banking and then enroll now to get yourself set up!!

Notice On Non-Interest Bearing Accounts

All funds in a non-interest bearing transaction account are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules. The term of non-interest bearing transaction account
includes a share draft checking account (or demand deposit account) on which the credit union pays no interest or dividend. It does not include any transaction account that earns interest or dividends, a negotiable order of withdrawal (NOW)account, money-market deposit account and Interest on Lawyers Trust Account (IOLTA), even if share drafts may be drawn on the account.

Checking Account Options

We already offer free checking to young adults under 22. Our new feature also offers free checking to everyone over age 55. This also eliminates the $200.00 minimum balance required. A free ATM/Debit Card is available with this account. Call us for any details or questions.

TurboTax is available to members

TurboTax is now available for members to use to complete their yearly tax returns. The link can be found under the useful links tab and it is also in the accounts screen when you are going into our free on-line banking. Hope everyone gets a nice return and that TurboTax can help!

MasterCard offers Rewards

Our Atira MasterCard offers low rates, (based on your credit score) and rewards for card usage. Simply go to useful links and click on Atira to apply online or stop in the office and let one of our four loan officers help with your application and start earning your reward credits today! If you need to report your card lost or stolen call 1-888-428-4721.

BE ON THE LOOK-OUT FOR ACCOUNT SCAMS!!!

Efforts are being made to contact our members to obtain account numbers, social security numbers and other personal information. These are being sent to members in the form of e-mail, phone text messages and/or phone calls and are targeting Family Community Credit Union members and members of other area credit unions. THESE ARE ATTEMPTS TO GET YOUR PERSONAL INFORMATION AND ARE NOT FROM THE CREDIT UNIONS. DO NOT GIVE OUT PERSONAL OR ACCOUNT INFORMATION TO ANYONE NO MATTER HOW THEY ARE TRYING TO GET IT FROM YOU. It is always a scam. Contact your credit union if someone threatens to close your account and we will verify that your account is open. We do everything we can to safeguard your account information and you can help by refusing to give out your information to anyone. Please call the office or stop in if you have questions or concerns.

Young Adult Checking

We have a checking account available to young adults 22 and younger. This account has no minimum balance requirements and does not have any monthly service charges. You also have access to free on-line banking and a free Debit Card. Stop in for more details!!

On-Line Security Enhancements

We have on-line security enhancements that will require you to pick out pictures, phrases and to set up some security questions that you may be required to answer when you access your account. These are required by the NCUA and are designed to help protect you and your transactions. This is a free service provided by your credit union.

SURCHARGE FREE ATM/DEBIT CARDS

Did you know you can use your credit union ATM/Debit Card without any surcharge when you use it in a machine that displays a
Priviliged Status Logo? You can go to www.shazam.net and find a listing of surcharge free machines in any town. If you need to report your card lost or stolen call 1-800-428-4721.