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Category Archives: Your Budget & Savings
We know you’re busy this Christmas. You’ve got presents to buy, cookies to bake, and trees to trim. As you’re dashing about to check the last of your errands of your to-do list, you need quick access to your accounts. “What’s my checking account balance?” “Did my rent check get cashed yet?” “When’s my loan payment due again?” TextBanking puts answers to these questions and more right at your fingerprints. To register your cell phone, log into Online Banking and select “TextBanking Setup” from the “Alerts & Statements” dropdown on the main menu. Enter your cell phone number in the yellow boxes and click “Update.” You will receive a text message with your activation code, which you will enter on the TextBanking Setup page. Then enter a nickname for each account you would like to be able to receive information on via text. Update each nickname one at a time, … …continue
Christmas carols, stockings hung by the fire, time to celebrate with friends and family—we love the holidays! Unfortunately, so do fraudsters, and as budgets get tight this time of year, scammers often ramp up their efforts. Don’t get scrooged by holiday fraud attempts, which come in many guises. Beware of situations such as these: Phone, Text, and Email Scams Fraudsters often pose as legitimate service providers asking for your account information. Such attempts are known as “phishing” (by email) or “smishing” (by text). They may route you to a fraudulent website where you are to fill in your personal details. Don’t be fooled! Consumers will NEVER contact you over the phone, by text, or by email asking you to provide personal information such as account numbers and Social Security numbers. If you receive a request over the phone or online from someone asking you to provide such information, do not … …continue
When you refer your friends and family to us for a new checking account, loan, line of credit, or credit card, we’ll give both of you $50! It’s our way of saying “Thanks” for helping us spread the word. And when you help your friends and family save money on their auto loan or credit card, they’ll be thanking you as well. Who wouldn’t like a little extra cash this holiday season? Visit consumers5050.com for more details and to make a referral. *Membership eligibility is required. New loan or credit card approval will be determined by credit worthiness. Minimum new loan amount or credit card limit of $5,000 required for $50 payout; existing Consumers Credit Union loans are ineligible. Credit cards must be activated once received and all loans must be finalized within 30 days of referral. $50 will be credited to both the new and existing members’ share accounts … …continue
Whether you’re shopping online from the comfort of your home or braving the winter chill to hit the mall, your Consumers Credit Union instant issue debit card provides the convenience and security you need during the busy holiday season. If you wear out your card on your shopping spree, just stop in at any of our fourteen convenient locations. We’ll make you a new one on the spot! For added peace of mind when you shop online, our debit cards include MasterCard SecureCode to guard against unauthorized use of your card. When checking out with participating merchants, you’ll have added confidence knowing that MasterCard SecureCode performs an extra authentication step for your protection. To enroll your debit card for MasterCard SecureCode, click here. On the next screen, click on the “Register Now!” button. You will be walked through the process of entering your card number and verifying your identity before … …continue
The holiday season is here again! “We love the cheer, traditions, and time with family,” says Tim Kosak, Consumer Lending Manager at Consumers Credit Union. “But many stress about paying for holiday meals and presents for the kids.” It’s not too late to plan an affordable holiday budget. Watch the video below, the first in the Consumers ConnectU December holiday series, for our favorite tips to get started.
Cyber Monday wraps up a whirlwind of holiday sales. Whether you’re searching for that last special gift to finish your Christmas shopping or you’re just getting started, we’ve got your roundup of money saving online shopping tips. What to Buy and Avoid on Cyber Monday Clothing and accessories? Yes. Digital cameras? No. U.S. News & World Report brings you their comprehensive list of the best purchases to make online today. All the Cyber Monday Sales You Need to Know About, from A to Z Of course, the large retailers like Amazon, Walmart, and Best Buy have their online blowout sales today. For the best deals from specialty boutiques, check out this list from Bustle. Tech Buying Guide Stocking up on the latest gadgets for the tech enthusiast in your life? You won’t want to miss this guide from Forbes. 8 Fabulous Hotel Deals Need a holiday vacation? You can get … …continue
All of us here at Consumers Credit Union hope you enjoyed a Thanksgiving full of the blessings of family and friends yesterday. If you’re now headed out to get a head start on your Christmas shopping, check out our favorite Black Friday sales advice from around the web before you hit the mall. Here’s Where the Best Deals Are DailyFinance has researched the ads so you don’t have to. Take advantage of great deals on TVs, iPads, slow cookers—even washers and dryers. 4 Pricing Tricks in Black Friday Ads Are you sure you’re really getting a deal on today’s purchases? The Fiscal Times shares common ways retailers make their sales look better than they really are. 5 Myths About Black Friday You Shouldn’t Believe Myth #1: Everyone gets the deals. Check out this article from Fox Business to make sure you’ve got the smartest shopping strategy. 4 Tips for Avoiding … …continue
Debit card holds are one of our most asked about topics. “A hold shows that you ran your card for a transaction that hasn’t yet posted to the account. Often this is the same amount as your transaction, but sometimes it isn’t,” shares Tim Kosak, Consumer Lending Manager at Consumers Credit Union. Watch the video below, the fourth in the Consumers ConnectU November account series to learn when a hold might vary from the transaction amount and how it affects your checking account. Want more tips like these? Watch the rest of the videos in our series: Debit vs. Credit Do I Really Need to Balance My Checking Account? Tools to Keep on Top of Your Finances
As budgets get tight around the holidays, fraudsters often ramp up their scam attempts. Mystery shopper or secret shopper schemes are particularly common this time of year. These schemes may be advertised online or the scammer may target individuals by mail or email. This kind of fraud tends to target victims who are out of work, looking for more work, or otherwise in a tight financial situation—in other words, those who can’t afford to be a victim of fraud. This makes identifying scam attempts all the more important to potential victims. The following red flags indicate that a mystery shopper or secret shopper offer is a scam: You are unfamiliar with the company or individual contacting you to participate in their mystery shopper program. You receive a communication asking you to keep your participation confidential or not reveal the source of funds received for the activities. You receive a check … …continue
Tools to Keep on Top of Your Finances: The Third Video in the Consumers ConnectU November Account Series
“With Online Banking and mobile apps, staying on top of your finances is easier than ever,” says Tim Kosak, Consumer Lending Manager at Consumers Credit Union. Watch the video below, the third in the Consumers ConnectU November account series to learn how these tools can empower you to make the best choices for your money. Want more tips like these? Watch previous videos in the series, Debit vs. Credit and Do I Need to Balance My Checking Account?