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Keep Yourself Safe When Using the ATM


Every day, millions of ATM transactions are successfully carried out around the world without any problems or interference by criminals or fraudsters. However, there are those times when they do occur. Don’t let convenience replace common sense when using an ATM. Be aware and stay aware. Here are some great tips:

  • Choose your ATM carefully.
  • Use familiar ATMs when possible. If that’s not possible, choose a well-lit, well-placed ATM. Avoid hidden or secluded ATMs. Scan the entire area around the ATM before you approach it. If anyone is loitering about or it appears to be too isolated, move on.
  • Always have your card ready if using a walk-up ATM. Avoid fumbling around with your wallet, looking for your card, talking on the phone.
  • Be sure the ATM hasn’t been altered. Look for suspicious attachments to the card slot or key pad.
  • Check for unusual instructions on the display screen. Watch for suspicious blank screens.
  • Do not use ATMs that have messages or signs attached to them indicating that the screen directions have changed, especially if the sign is posted over the card reader. Any instructions you need will appear on the screen.
  • If an ATM keeps your card, do not re-enter your PIN. Contact us immediately.
  • If the ATM instructs you to re-insert your card into a second card reader at the machine, do not do it.
  • Hit “cancel” at any time if you become suspicious of any machine instructions, equipment alterations or if you become uncomfortable about completing your transaction.
  • Keep all receipts and monitor your account.
  • When using the ATM, do your best to ensure transaction privacy. Try to shield the screen and the keypad so others cannot see what you are doing/typing.
  • When you complete your transaction, leave the machine. Take your receipt, your cash, your card and move on. Don’t stand/sit in your car at the machine and put your money away, fumble around and so on. Move away from the machine and then finish your tasks.
  • Keep your car doors locked when at the ATM. Only roll down your window. Keep your car running. If there is a line of cars, keep space between you and the next car so you have room to move/maneuver in the event you need to drive away.
  • Never force your card into the card slot.
  • Do not write your PIN on your card.
  • If your card gets jammed, retained or lost, call us immediately.

Important Numbers:

Members 1st Fraud & Security Center – (800) 283-2328, ext. 5202

Report a lost, stolen or damaged VISA Debit or ATM Card: (800) 283-2328, ext. 6035; after business hours, call (800) 754-4128

Report a lost, stolen or damaged VISA Credit Card: (800) 283-2328, ext. 6035; after business hours, call (800) 325-3678

Pick Your ATM Wisely


It just makes good financial sense to avoid having to pay ATM surcharge fees whenever and wherever possible. Why would you want to pay a fee to wrap your hands around your money? There’s something that just doesn’t make a lot of sense about that.

Let’s face it, fees are ways in which any business, including a lot of financial institutions, make money. The difference here is that there are financial institutions that aren’t out to nickel and dime their customers, or members as they are commonly known. These financial institutions are called credit unions and they have their members’ best financial interest in mind.

A long time ago when credit unions came into existence, their operating philosophy centered around a cooperative nature. That means those involved pooled together, worked together, to help everyone who made up the whole. It wasn’t about me, myself, and I. It was, has been and continues to be about you, the member.

Today, credit unions have joined together to help out each other’s members save money, especially at the ATM. When you use an ATM in the CO-OP, CU$ and also in the NYCE ATM networks, you can avoid paying surcharge fees.

To find a surcharge free ATM near you or while you are travelling, visit the following. Please note that while you may not be charged a surcharge fee, you may be charged other fees such as non-sufficient fund fees.

www.members1st.org – click “Locations”, followed by “More Surcharge-Free ATMs”

CO-OP ATM Network

CU $ ATM Network

NYCE ATM Network

 Pick your ATMs wisely and you’ll save yourself a lot of money.

Duncannon Branch Grand Opening Celebration


ImageIn case you missed it, we celebrated our grand opening of our new Duncannon branch on Saturday, June 2. Here we are cutting the ribbon and making it all official. Bob Marquette, our President & CEO, is the guy holding the scissors getting ready to make the cut. He had some help from Jackie Eakin, Chairman of our Board of Directors, who is standing to his right. Thanks to everyone who participated in the ribbon cutting!

If you haven’t visited yet, stop by at 48 Business Campus Way, Duncannon (near Mutzabaugh’s Market) and meet Gage, our branch manager (back row, first person on left) and Chris Dudley, our assistant branch manager (lady in front row wearing red). We’d love to meet you and help you open your new account.

Duncannon Branch Grand Opening


We hope you can join us for a special celebration on Saturday, June 2. Mark your calendars now for our Grand Opening Celebration event of our new Duncannon Branch located at 48 Business Campus Way (near Mutzabaugh’s Market).

The event will take place from 10 a.m. to 1 p.m. and will feature a live broadcast with WRBT “Bob” 94.9 FM from 10 a.m. to noon; free BBQ, soda and water (while supplies last), games, prizes and a drawing to win a free Kindle Fire. In addition, we are giving away 75 signed copies of the book, “Life Along the Shermans,” written by Perry County resident and Members 1st Board Member Dennis J. Hocker.

Our new Duncannon branch marks the first Credit Union in Perry County and we’re very excited to have the opportunity to be first one there. Our newest branch opened for business on April 23 and features 3 drive-thru lanes, and an image-enabled ATM.

We currently have 51 branches located throughout Adams, Cumberland, Dauphin, Lancaster, Lebanon, Perry and York Counties and serve over 200,000 members worldwide.  Here’s more exciting branch news – We’re opening two additional Lancaster area branches by the end of this summer! One will be located at 4000 Carlisle Road, Dover and the other will be at 2050 Columbia Avenue.

Join us Saturday, June 2 and if you’re not a member, come ready to open your new account and to take advantage of some great offers! For more information about becoming a member, call (800) 237-7288 or visit www.members1st.org.

Join the fun – 5K Run for Kids


Celebrate National Credit Union Youth Week and help support two local organizations, Caitlin’s Smiles and Leg Up Farm .

Join us for our 5K Run for Kids on Saturday, April 28. This event will be held at our Administrative Headquarters, located at 5000 Louise Drive, Mechanicsburg, PA.

Questions may be directed to 5KRunforKids@members1st.org. You may also register at www.parunners.com.

The schedule of events is as follows:
7:30 am – Registration
9 am – 5K Run
10 am – Kids 1/2 Mile Fun Run
11 am Super Saver Kid’s Event

Cost:
5K Run Entry
Pre-registration – $25 by April 28
Race-day registration – $30 on April 28

Kids 1/2 Mile Fun Run Entry
Pre-registration – $10 by April 28
Race-day registration – $15 on April 28

Age Group Awards:
10 to 15 | 16 to 20 | 21 to 30 | 31 to 40 | 41 to 50 | 51 & over

Team Challenge:
5K participants may form teams of four runners with their individual race times counting towards the team total. The three teams with the fastest combined time will receive trophies. Each runner participating as part of a team should list their team name on the registration form.

Costume Contest:
In honor of the National Credit Union Youth Week theme, “Being a Credit Union Super Saver”, 5 K runners who dress in a superhero costume will be entered to win an iPad 2! (Members 1st associates and their families are not eligible.)

5K Race Amenities:
Professional race chip timing with accurate, real-time results
A chance to win an iPad 2 if you dress like a superhero
Random door prizes
Race results posted on www.parunners.com

Proceeds Benefit:
Leg Up Farm – A one of a kind therapy and developmental center for special needs children up to 21 years of age.

Caitlin’s Smiles – An organization dedicated to bringing smiles to children in SouthCentral PA who have chronic or life-threatening diseases. They provide creative art gift bags to the children as well as Family Care Kits to help families defray the expenses of caring for a sick child.

Our Members Earned Almost $2 Million in Rebates!


If you’re not reaping the rewards of being a member at our Credit Union, then you are not taking full advantage of your account relationship with us. Just remember R&R go together — rebates and relationship. The more you work on your relationship with us, as in using more products and services, the more you’ll benefit in terms of rewards. It’s like peanut butter and jelly – it just goes well together.

To give you an idea as to how this works, the total amount of rebates earned by our members in 2011 was almost $2 million! That’s right, $2 million! That’s big bucks back in your wallet! If you’re not a member of our Credit Union  right now, can you say that your current financial institution does that?

Members who use our VISA Debit Card received a total of $865,098 in Swipe 5 rebates last year. The average annual rebate was $10.15. Our Business debit card members earned over $21,940 in Swipe 5 rebates. The average business card earned about $7.85.

Our VISA Platinum Rewards Credit Card cash-back rebates posted to member accounts late last fall and were based on total purchasing activity within the year. In 2011, over $954,000 in rebates were earned! The average rebate amount was $57. One member earned over $2,100! The more you use our credit card, the more you earn!

We reward business members, too, when it comes to VISA. A total of $129,730 in business VISA Credit Card rebates was deposited into member business accounts. The average reward received per participating business was over $110. And get this – one business received $24,521!

For more information on how you can reap the rewards of rebates, stop by a local branch today or call us now at (800) 237-7288.

Helping You Stay Connected


We have a variety of ways to help you stay connected to us. We’ve been busily working on our new Web site which we will unveil to you in March. Here’s what you can expect to see on www.members1st.org:

  • Enhanced and easier search function on our home page to help you find branches, ATMs, open an account, apply for a loan, look for a form and more
  • New Advice Center containing short articles on a variety of financial topics
  • Home page news and special alert section
  • Improved events calendar
  • Easy-to-use navigation – just follow the tabs for these service areas:
    • Learn – Here’s where you’ll find calculators, tools, rates, calendar of events and other resources such as our newsletters, brochures and forms
    • Products & Services – This area will contain information about loans, deposit accounts, electronic & mobile services, mortgages, business services, insurance services, student services (including student loans, our education award, scholarship links and more);  and other services such as safe deposit boxes and foreign currency exchange
    • Membership & Benefits – Here’s where you can read about Member Loyalty Rewards, opening an account and more
    • About Us – This section will focus on the Credit Union, career opportunities and our leadership team
    • Contact Us – Use this section to find phone numbers, email addresses and to connect to important fraud & security information

We’ve optimized the views of our new Web site for smart phones, 7-10 inch tablets, netbooks, notebooks and wide profile monitors. We hope that you will find our new site easy to use and informative. Watch for it in March.

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