Frequently Asked Questions (FAQ)

Immediately call the fraud units of the three credit reporting companies. Report the theft of your credit cards or numbers and request a credit report (free to identity theft victims). Ask that your file be flagged with a fraud alert. Add a victim’s statement to your report. (“My ID has been used to apply for credit fraudulently. Contact me at [your phone number] to verify all applications”). Ask how long the fraud alert is posted on your file and how you can extend it if necessary.

Be aware that these measures may not entirely stop new fraudulent accounts from being opened by the imposter. Request a free copy of your credit report every few months so that you can monitor any new fraudulent activity.

Ask the credit bureaus for names and phone numbers of credit grantors with whom fraudulent accounts have been opened. Ask the credit bureaus to remove inquiries that have been generated due to the fraudulent access. You may also ask the credit bureaus to notify those who have received your credit report in the last six months in order to alert them to the disputed and erroneous information (two years for employers).

Contact all creditors immediately with whom your name has been used fraudulently, by phone and in writing. You may be asked to fill out fraud affidavits. (No law requires that these be notarized at your own expense.) Get replacement cards with new account numbers for your own accounts that have been used fraudulently. Ask that accounts be processed as “account closed at consumer’s request” (better than “card lost or stolen” because it can be interpreted as blaming you). Monitor your mail and bills for evidence of fraudulent activity. Report it immediately to credit grantors.

Report the crime to your local police or sheriffÂ’s department. You might also need to report it to police departments where the crime occurred. Give them as much documented evidence as possible. Make sure that the police report lists the fraud accounts. Get a copy of the report. Next, give a copy of the report to the credit bureaus. When you provide your police report to the credit bureaus, they should remove the fraudulent accounts from your credit report. Keep the phone number of your investigator handy and give it to creditors and others who require verification of your case. Credit card companies and financial institutions may require you to show the report in order to verify the crime. It is a violation of federal law (18 USC 1028) and the laws of most states to assume someoneÂ’s identity for fraudulent purposes. Some police departments donÂ’t write reports on such crimes, so be persistent! Also report to the Federal Trade Commission (FTC): (877) IDTHEFT or click here for more information.

Psychological counseling may help you deal with the stress and anxiety commonly experienced by victims. Know that you are not alone. Contact the Identity Theft Resource Center for information on how to network with other victims.

If your ATM or debit card has been stolen or compromised, report it immediately. Get a new card, account number, and PIN (Personal Identification Number). Do not use your old PIN. When creating a PIN, donÂ’t use common numbers like the last four digits of your SSN or your birth date. Monitor your account statement.

If you have had checks stolen or financial accounts set up fraudulently, report it to the appropriate check verification companies (See below). Put stop payments on any outstanding checks that you are unsure of. Cancel your checking and savings accounts and obtain new account numbers. Give the credit union a secret password for your account (not motherÂ’s maiden name). If your own checks are rejected at stores where you shop, contact the check verification company that the merchant uses.

• CheckRite: (800) 766-2748
• Chexsystems: (800) 428-9623
• CrossCheck: (800) 843-0760
• Equifax: (800) 437-5120
• International Check Services: (800) 526-5380
• SCAN: (800) 262-7771
• TeleCheck: (800) 710-9898

• Equifax: P.O. Box 105069, Atlanta, GA 30348
• Report fraud: Call (800) 525-6285 and write to the above address
• Order credit report: (800) 685-1111
• Web: www.equifax.com

• Experian (formerly TRW): P.O. Box 9532, Allen, TX 75013
• Report fraud: Call (888) EXPERIAN (888-397-3742) and write to the above address or fax to (800) 301-7196
• Order credit report: (888) EXPERIAN
• Web: www.experian.com

• TransUnion: P.O. Box 6790, Fullerton, CA 92834
• Report fraud: (800) 680-7289 and write to the above address
• Order credit report: (800) 888-4213
• Web: www.transunion.com

This depends on your employer, but typically after the request is turned in, you will receive one more check and then your direct deposit will begin.

A variety of funds such as Social Security, Military pay or retirement, paychecks (if offered by your employer), and retirement can be direct deposited into your account. Check with a Financial Service Officer if you are unsure.

They are held for the purchase immediately and can actually clear as soon as the same day, but most will clear by the second or third day from purchase.

To receive funding from Florida Commerce one must submit their request in writing to Kristen Richardson at Kristin Richardson or fax it to her attention at 850-921-2073.

Florida Commerce supports a variety of charitable organizations, a few of which are the Boys and Girls Club, Kids Incorporated, American Red Cross, Habitat for Humanity, and March of Dimes.

The volunteer Board includes J.R. Phelps, Chairman, Pat Thomas, Vice-Chair, Jerry Osteryoung, Treasurer, Austin Neal, Secretary, Canita Peterson, Director, Rivers Buford III, Director, and Mike Gomez, Director.

Florida Commerce also has an Audit Committee with the following members: Canita Peterson, Chair, Mark Landreth, Kathy Arrant, Mike Gomez, and Rivers Buford.

Florida Commerce offers seminars on Understanding Your Credit Report, Home Buying, Car Buying, Identity Theft, Debt Management, and Money Management. All seminars are one hour long except for Home Buying which is a two hour seminar and can be split into two one-hour sessions.

Florida Commerce offers lunch-n-learn seminars and member sign-ups as a courtesy to business and community groups who would like to educate their employees or a large group of people on the benefits of credit union membership, as well as a variety of topics. There is no cost for a seminar or sign-up. If youÂ’re interested in hosting a seminar or sign-up for your company, contact Barbara Pace, Member Development Specialist, at (850) 410-3565.

Low rate: 1.9% intro for first 5 billing cycles; 8.84% variable APR as of 7/1/05; no balance transfer fee

Rewards Passport: 1,000 bonus points when you apply; 1 point for every $1 in purchases; free flights on major U.S. airlines; free merchandise from brand names like Sony and Ping; 1.9% intro APR good for the first 5 billing cycles

Cashback Rebate: up to 2% cash back on purchases; every purchase counts toward your rebate; it's automatic, no receipts to send in; good at over 20 million locations.

Other features:

25 days grace period on purchases
No annual fee
No liability for unauthorized purchases
Generous credit lines
24-hour online access

Repossessed vehicles are liquidated through a variety of means. Units sold by FCCU staff will be offered on our web repo listing, which will also give the location of where the vehicle can be viewed.

Life Improvement Loans encompass the entire loan portfolio offered by Florida Commerce, designed with lifestyle choices in mind. We offer New and Used Auto Loans, First Mortgage Loans, Home Equity Loans, Personal Property Loans, RV and Boats Loans, as well as lease-like loans that lower your monthly payments by up to $100 or more! Whether you borrow in person, by phone, or on our website, we offer fast-personalized service.

As a member of the Kids Club, the kids receive birthday cards and a present, as well as a quarterly newsletter from Sammy Squirrel, the club mascot. They are invited to celebrate Kids Day at the credit union with clowns, food, music and a general carnival atmosphere just for them! They are also rewarded with prizes when they deposit money and save a particular amount.

Enrolling your child is very simple. When members open a savings account for a child, they are automatically enrolled. The child will then receive a welcome pack in the mail containing a welcome letter, a KidÂ’s Club brochure, an ID badge, a record book, a deposit envelope, and Sammy Squirrel stickers.

The “Nuts for Saving” Kids Club is designed for children 12 years old and younger. The goal of the club is to teach the children the importance of money management. The club encourages saving toward a particular goal and rewards kids with prizes when they reach certain saving levels.

Our website acts as a virtual branch for our members. From applying online for a loan to monitoring weekly rate changes, members can truly manage their accounts 24 hours a day! Furthermore, services such as Car Connection, check re-ordering, TurboTax (seasonally), loan calculators, and complete product information can be accessed.

Another great feature of our website is iBranch!, our FREE online banking software. This is a fast and convenient way to access accounts 24-hours a day, 7 days a week. iBranch! allows members to keep accounts organized, verify account balances, receive e-statements, apply for a loan, re-order checks, transfer funds, and much more.

iBranch! BiLLPAY allows members to pay anyone, anywhere in the world for FREE! Powered by CheckFree, our system is controlled by one of the largest bill payment systems in the world. Payments are guaranteed to be delivered on-time and funds clear the member's account no earlier than the day the payment is DUE to the vendor.

Florida Commerce allows members to acquire the highest possible return on investments because we base our rate on the national average for money market mutual funds. So members enjoy a high yielding account like a brokerage account without losing access to your funds or the security of federal insurance.

Our money market accounts include free check writing (up to three monthly, check minimum of $250). Weekly Annual Percentage Yields (APYs) are displayed on the monthly statement to help account reconciliation.

Florida Commerce offers five ATMs located at the St. Augustine Office, Mahan Office, Bradfordville Office, Westside Office and the DOE office. You are also able to use any ATM with the CU-24 logo posted (i.e. Publix ATMs and any other credit union).

See all of our locations, their hours, contact information and maps on our Contact Us Page.

You can order checks over the phone, stop by one of our many branches, or simply access our web-based check order form. To order checks over the phone, call (800) 533-5772 and speak to a member service representative.

• No minimum balance
• No monthly fees
• Direct Deposit
• Access to debit card

Credit Unions are not-for-profit financial cooperatives. They give consumers the choice of ownership, because they are owned by the people they serve; the members. Credit unions exist solely to serve their members, not to enrich an outside group of stockholders. Competitive pricing by credit union keeps pressure on the banks to increase the rates they pay on savings accounts and lower their fees and rates on loans – all to the benefit of consumers.

This is an issue with Members Internet Explorer Browser. The Credit Union's members will need to install new Service Packs which are located at the following addresses:

• First the member needs to install Service Pack 1 at: Microsoft.com
• Then they need to install the update to Service Pack 1 at: Microsoft.com

For PCs click on the browser icon on the desktop or shortcut bar, then “Help” on menu bar, then “About…” and read info screen. If you do not have 128-bit encryption, you may visit Microsoft.com and choose your proper operating system, and browser version.

For Mac users, click on your browser icon, then “Get Info” and read screen. If you don’t have 128-bit encryption, go to your browsers’ website to download a browser upgrade with 128-bit encryption.

iBranch! supports the current version of Quicken which is 2008, as well as the last two generations of Quicken and QuickBooks software. Members with 2005 versions or earlier, should upgrade to a more recent version.

Browsers

• Microsoft Internet Explorer 5.5 or higher
• Netscape 4.7 or higher
• (128-bit encryption versions)

Compatible Operating Systems

• Windows 98
• Windows 2000 with 128 bit encryption
• Mac OS 8.1 and higher

1. Make sure you have a compatible browser and operating system (see below)
2. Make sure cookies are enabled (almost always they are enabled)
3. In Internet Explorer, Click on Tools, Then Internet Options, General, go to the Temporary Internet files section and click “Delete Files”, then
4. On that same screen, click on the Settings button, then click on the option that says “Check for newer version of stored pages: Every visit to the page”
5. Lastly, restart your computer

This means your security settings are too high. To correct this problem click on tools, go to Internet options, under the privacy tab, change the settings. The settings can be anything but high.

If your checking account is negative or if you have loans which are past due, a hold is placed on your savings until these are brought current.

Joining the credit union is easy and more convenient than ever. If you live or work in the following counties, you can join Florida Commerce Credit Union: Leon, Gadsden, Jefferson, Madison, Liberty, and Wakulla. You can apply for membership at any office. If you are coming to one of our offices to join, there are several things you'll need to bring with you:

• Social Security number
• Valid Driver's License
• $5 to deposit into your main share savings account

Your balance is how much money you currently have in your account not counting any pending transactions. Your available balance takes into consideration all transactions that are currently pending. iBranch! will show pending debit card transactions.

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