Archive for the ‘ eService ’ Category

WITH ALL THAT STUDYING, WHO HAS TIME TO MANAGE THEIR FINANCES?


M1stOnline-App-GraphicFor many, going off to college is the first time students need to manage their finances and budget their money. Rationing out a summer job’s income to last the entire school year is difficult, but possible! It’s all about knowing where you stand in your accounts financially, keeping track and making budgets.

We get it, you are busy and have a million assignments to focus on throughout the school year, and stopping in at the branch isn’t the first thing you want to do. That is why we made it quick and easy for you to manage your money from anywhere, even on your way to class or from the library!

The Members 1st mobile banking app makes it simple to access your money when you need it. It’s as easy as Tweeting!

Mobile Banking allows you to:

  • Make transfers
  • Keep track of your balances
  • Pay bills at your convenience

Another great service that Members 1st offers is text alerts. You can have alerts sent to your phone every time a transaction occurs on your account or even have alerts sent when you are below a certain balance to avoid spending more than you have.

Plus, credit unions offer many surcharge free ATMs located all over the country that you can access without  having to pay extra fees! Just because you are far from home does not mean you are far away from your local credit union services! Click here to find surcharge-free ATMs near you!

Click here to learn more about all of Members 1st FCU’s electronic and mobile services.

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Guest Blogger: Megan Lopez, Marketing Intern (student at St. John’s University, New York)

Mobile Malware: What You Need to Know


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Trojan horses, worms and viruses are the tools of choice for theft, fraud and other forms of malicious activity. These threats are on the rise and targeting mobile devices effectively. Most notably is the recent malware Svpeng, which specifically targets financial mobile applications and combines it with “ransomware” capabilities.

Svpeng “locks” mobile devices and requests a ransom to unlock it. Svpeng is “context aware” and checks for the following mobile banking apps (Bank of America, Citi Mobile, Amex Mobile, TD App, Chase Mobile, BB&T Mobile Banking, USAA, Wells Fargo and other U.S. bank apps) on mobile Android devices. When it detects one of these applications, it locks the device down, presents a phony FBI penalty notification and demands $200 in the form of Green Dot’s MoneyPak cards. Svpeng also captures and steals information entered on the device. It’s considered different from other ransomware because it locks the device down completely.

“If it happens to you, you can do almost nothing. The only hope for unlocking the device is to boot into ‘Safe Mode’ and erase all data on the phone only, [since] SIM and SD cards will stay untouched and uninfected.”1

What can you do to protect your mobile device?2

Mobile devices are just as susceptible to viruses and malware as desktops and laptops. Install and use mobile anti-virus software and browser protection tools.

  • Download apps only from trusted sources like the Apple® App Store or Google® Play. Beware of malicious applications.
  • Question links in emails and social media posts. Malicious links could direct you to websites or install harmful software to compromise your device.
  • If accessing the Internet through a public, unsecured or unfamiliar WiFi connection, avoid accessing sensitive services like banking and investment services on your device until you can access a trusted WiFi service.
  • Turn off unnecessary services such as Wi-Fi, Bluetooth, and location apps when you’re not using them.
  • Secure your data and photos. Back up all important documents and photos to an external storage device, such as a cloud-based server, external hard drive or flash drive.

Your financial safety and security is important to us.

We offer several ways to help you monitor your account activity. You can set up a variety of alerts through Members 1st Online to notify you via email or text of activity on your account.

To set up or manage alerts on your account(s), log into Members 1st Online > Messages > Manage Alerts and follow the prompts. You can also set up custom alerts specific to your Members 1st VISA® Credit Card to notify you of account and transaction activity. If you’re logged into Members 1st Online, click on your VISA® Credit Card > See Your Current VISA® Activity > Alerts and follow the prompts.

Not using Members 1st Online yet? It’s easy and FREE! Go to https://myonline.members1st.org and click on “Enroll  Now.”

What should I do if I see suspicious charges on my account?

Please notify TeleBranch (Customer Service) immediately if you see any unauthorized activity on your account(s) at (800) 237-7288.

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1Source:  http://www.kaspersky.com/about/ news/virus/2014/

2Source: http://securityaffairs.co/wordpress/25771/malware/svpeng-android-ransomware.html

Guest Blogger: Patricia Brock, AVP/Information Security Officer (reprinted from the July/August 2014 edition of Avenues)

Why you should consider direct deposit or direct payments


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Are you still receiving paper checks? Do you continue to write checks to pay bills? Are those really the best, safest and reliable financial habits to have in today’s electronic world? May is Direct Deposit and Direct Payments via ACH Month. That means you can do a lot of your banking electronically  — meaning you can eliminate extra trips to your financial institution, save money on stamps and gas, and save a lot of time. It’s easy to set up and it’s convenient. It can help you avoid fees and your money is secure – it’s in your account when you need it. Payments are made on time.

Direct deposit can be used for payroll checks, Social Security payments, tax refunds and other government payments that you receive. To start direct deposit, you need to contact your employer’s payroll office or the organization from which you are receiving payments. Effective March 2013, the US Department of the Treasury requires that all federal benefits are paid electronically. For more information on this subject, visit http://www.GoDirect.org or call (800) 333-1795.

Direct payment via ACH means you make transfers or payments electronically so that you may send money where it needs to be by when it needs to be there. You never have to worry about payments getting lost or stolen in the mail. And some companies offer incentives when you sign up for automatic payments.

If you’re not banking electronically, give it some consideration. You’ll save time and be amazed at how convenient it is. Not only that, but you’ll help the environment as well by eliminating additional paper waste.

Save Money with Our FREE Online Bill Payer!


Did you know? Our Bill Payer service is now FREE for all levels of our Member Loyalty Rewards Program! Not sure if you’re eligible? Check your statement or log into Members 1st Online (home banking). You can also call TeleBranch at (800) 237-7288 to talk to a customer service representative.

Do you use Members 1st Online but haven’t tried Bill Payer yet? Log into your account and select the Bill Payer tab to get started. With Bill Payer, you can set up recurring payments, view your payment history, add or delete payees and make one-time or irregular payments. Please note that you must have a Rewards Checking account to utilize Bill Payer.

Why should you consider using Bill Payer?
1. It’s secure
2. You’re in control – pay almost anyone, at any time, day or night online or using your mobile device (be sure to download our mobile app!)
3. It’s easy to use
4. You’ll save money on stamps
5. It’s convenient & time saving
6. You can schedule payments ahead of your due date or make same day payments as long as they are scheduled before 11 am that same day. You can also set up recurring payments.

Sign up today! It’s FREE for Silver, Gold, Platinum and Titanium members!

It’s back to school time


Who out there has a college-age child either leaving home for the first time or making a return visit? As your child heads off to school, make sure they packed the right financial aides and supplies to help them manage their money while they’re away.

Today’s students are environmentally conscious. That’s why we offer free online banking, complete with free eStatements and a variety of online services to help them keep track of their spending. Since it’s unlikely to see them without some sort of electronic device in their hand, we offer mobile apps for smartphones, Blackberry™ and other web-enabled devices. Using these free apps will help them know how much money they have or don’t have. Members 1st Online is particularly useful in monitoring our Rewards Checking Account. You can view pending transactions and all cleared transactions including those affiliated with our debit card. 

And don’t forget about the power of plastic – we offer personalized debit cards that work in conjunction with their Rewards Checking Account. Our debit card offers a monthly cash-back rebate and users can earn 5 cents for every qualifying transaction (transactions that don’t require a PIN or are not ATM-related). And, we don’t charge any kind of monthly usage fee like other financial institutions started doing. We also have re-loadable pre-paid VISA cards and of course two VISA Credit Cards to choose from.

We also offer overdraft protection for their Rewards Checking Account and Debit Card transactions.

Those college years are the best time to stretch their financial independence and gain some real-life experience on their own without having any monetary mishaps along the way.

Want your favorite photo on your debit card?


We are pleased to announce that you can NOW personalize your Members 1st VISA Debit Card!

2 options to choose from:

  • Photo ID – put your own photo on your card for added security
  • Full photo – place a photo that you’ve taken on the entire front of your card
How to personalize:
  • Sign In to Members 1st Online and click on the “Visa” tab and select “Debit Card Personalization”
  • Simply follow the prompts and complete the process
  • Your card will arrive within 5 to 7 business days (on average)
  • Your 1st card is FREE
Click Here for Frequently Asked Questions, Terms & Conditions and Photo Upload Guidelines and Image Guidelines.
Don’t have our Debit Card?
If you don’t have our Rewards Checking Account, you’ll need to open one and sign up for our VISA Debit Card.
Don’t have Online Banking?
It’s easy, convenient, environmentally friendly and FREE. Simply visit any branch location or call (800) 237-7288 and ask for an Electronic Service Application to get started.
Comment below and let us know what you think. Was the process simple? Did you run into any issues? What type of photo did you choose: yourself, pet, family, dream vacation spot, etc?
*All photos submitted for card personalization must meet our Personalized Debit Card Terms & Conditions. Ask for details.
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