Tips/Tricks for Cyber Monday

It’s the start of the holiday shopping season, be aware that this is the time of year when not everyone is spreading holiday cheer. Cyber thieves can wreak havoc on your online shopping. Here are some reminders to help you with your online shopping experience not only during the holidays, but throughout the year….

  • Be on alert for phishing attempts. Think before you click that link.
  • Make sure your anti-virus software is up to date and your computer is fully patched.Online shopping
  • Make sure you are buying from secure sites (you can verify this in your browser’s address bar).
  • Only make purchases on secure wireless networks and devices. Public WiFi and shared workstations can expose your payment information.
  • Monitor your accounts frequently to verify your account balances and transactions. (This can help avoid overdrafts as well.)
  • Take advantage of our account alert tools through Members 1st Online and
  • You may report a lost/stolen card at any time by calling 1-800-325-3678
  • Notify Members 1st FCU of any unauthorized transactions on your debit or credit cards by contacting our Card Services Department at 1-800-283-2328 ext. 6035 or 717-795-6035.


If at any time you feel uneasy or are questioning the validity of a text message, phone call or email regarding your account, we encourage you to contact us at 1-800-283-2328.

Overdraft Protection & Courtesy Pay in a Nutshell

Monetary or Banking Concept: Bouncing CheckMost of us have done it. We thought for sure there was enough money in our checking account to cover our check. Then you receive a notice that you have an overdraft fee. Or you are shopping and your debit card is not approved for your purchase. It’s quite embarrassing.

Have you ever wondered what services are offered to prevent insufficient funds or declined payments?   Below we discuss three types of overdraft services.

Overdraft Protection

Overdraft Protection can be offered fee-free or with a charge.  You select the savings accounts or lines of credit that you want as overdraft sources and the funds are automatically transferred to your checking account when needed to cover any overdrafts you may have.  Be aware that overdraft transfers from savings accounts are subject to the Regulation D limitation allowing a maximum of six (6) electronic transfers per calendar month.

Courtesy Pay

Courtesy Pay is a discretionary service offered to eligible checking accounts to pay checks, ACH debits, bill pay or recurring debit card transactions.  It can be used for payment in the event that you have insufficient available balances to cover the item(s).  Courtesy Pay can help you avoid the embarrassment and inconvenience of returned items.  Having Courtesy Pay will often prevent returned item fees or late charges posed by merchants or other payees.  If used, your account will result in a negative balance up to the amount of the Courtesy Pay Limit and you will be charged a Courtesy Pay fee for each item paid.  The limit amount may change periodically and is based on your account remaining in good standing.

Extra Courtesy Pay

Extra Courtesy Pay is an optional service provided to members that are qualified for Courtesy Pay and choose to opt in for the Extra Courtesy Pay coverage.  Extra Courtesy Pay covers one-time ATM and debit card purchases using your Courtesy Pay limit.

For more information on Members 1st’s Overdraft Services, please click here or contact Deposit Operations at (800) 283-2328 ext. 6022, TeleBranch (Customer Service) at (800) 237-7288 or visit any branch.

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Preventing Residential Fires

There are more than 1,000 residential fires per day resulting in $7 billion in direct property damage each year according to the National Fire Protection Association (NFPA). A PHLY study found that the leading causes of residential fires among its policyholders were electrical issues, smoking, and cooking. To address these causes, PHLY recommends the following tips and resources to help you and your organization reduce the chances of a fire incident:

Electrical Fire Safety

  • Have the entire electrical system inspected by a qualified electrician prior to building purchase or occupancy
  • Have your electrical system inspected at least every 10 years by a qualified electrician
  • Have an infrared scan of your electrical system with a thermographic camera every three to seven years to identify hot spots
  • Tighten or replace components where hot spots exist to help prevent electrical fires and for possible savings in electrical consumption
  • Visually inspect key electrical components, like breakers and switches, on an ongoing basis, making sure they are clean, dry, and tight
  • If your facility has aluminum wiring or Federal Pacific Stab-Lok breakers, these are known fire hazards; contact PHLY Risk Management Services for guidance

Smoking Fire Safety

  • Make your facility smoke-free
  • If you cannot have a non-smoking building, create a safe smoking area at least 20 feet away from the building with a non-combustible, non-tipping receptacle for ash and butts

Cooking Fire Safety

  • Implement cooking fire preventative devices, such as stovetops that sense unattended cooking or limiting the temperature of the cooking surface
  • Implement cooking fire reactive devices that expel an extinguishing agent in the event of a fire

Residential fires are unfortunately common, with 93% of all deaths from structure fires occurring in residential buildings, according to the NFPA. Preventing fires is a joint effort by building owners, building managers, and residents. A reasonable investment of time and resources by all three parties can help keep people safe and protect real estate investments.


Philadelphia Insurance Companies is one of the many insurance carriers the Members 1st Insurance Services Team works with to provide our members with the best rates and coverage. To view this post in its original setting, click here

How Debit Card Fraud Happens — and How to Avoid It

For many people, debit cards are the perfect plastic. They offer most of the conveniences of credit cards with no risk of accumulating debt.

But like credit cards, debit cards are vulnerable to rip-off artists. And debit card fraud is particularly scary because thieves can withdraw money directly from your checking account.

Here’s how debit fraud happens and how to protect yourself.

How identity thieves operate

Debit card fraud can be sophisticated or old-school. Thieves use techniques including:

  • Hacking. When you bank or shop on public Wi-Fi networks, hackers can use keylogging software to capture everything you type, including your name, debit card account number and PIN.
  • Phishing. Be wary of messages soliciting your account information. Emails can look like they’re from legitimate sources but actually be from scammers. If you click on an embedded link and enter your personal information, that data can go straight to criminals.
  • Skimming. Identity thieves can retrieve account data from your card’s magnetic strip using a device called a skimmer, which they can stash in ATMs and store card readers. They can then use that data to produce counterfeit cards. EMV chip cards, which are replacing magnetic strip cards, can reduce this risk.
  • Spying. Plain old spying is still going strong. Criminals can plant cameras near ATMs or simply look over your shoulder as you take out your card and enter your PIN. They can also pretend to be good Samaritans, offering to help you remove a stuck card from an ATM slot.

Smart ways to protect yourself

Adopt these simple habits to greatly reduce your odds of falling victim to debit card


  • lock and keyboardBe careful online. Shop and bank on secure websites with private Wi-Fi. If you must shop or bank in public, download a virtual private network to protect your privacy.
  • Monitor your accounts. Review your statements and sign up for text or email alerts so you can catch debit cardfraud attempts early.
  • Don’t ignore data breach notifications. The majority of identity theft victims received warnings that their accounts might have been breached but did nothing. If you get one of these messages, change your PIN and ask your provider to change your debit card number. You can also ask one of the major credit card bureaus to place a fraud alert on your file.
  • Inspect card readers and ATMs. Don’t use card slots that look dirty or show evidence of tampering, such as scratches, glue or debris. And steer clear of machines with strange instructions, such as “Enter PIN twice.”
  • Cover your card. When using your debit card or typing your PIN at an ATM, block the view with your other hand. Go to a different location entirely if suspicious people are hanging around the ATM, and if your card gets stuck, notify the financial institution directly rather than accepting “help” from strangers.

Even if you’ve taken precautions, debit card fraud can still happen. If your card gets hacked, don’t panic. Tell your bank or credit union right away so you won’t be held responsible for unauthorized charges, and file a complaint with the Federal Trade Commission.

© Copyright 2016 NerdWallet, Inc. All Rights Reserved


If you feel your Members 1st FCU account has been compromised, contact us immediately. 

An Incredible Summer with Members 1st!

The summer of 2017 with Members 1st is one that I surely will never forget. Hello, my name is Daulton Weaber and I was fortunate enough to be selected for the role of the Marketing Intern. What I learned over this 12-week course could not be reciprocated, I worked with some of the best professionals in the industry.  In a time where education and experience are held so valuable, Members 1st was able to provide me with an abundance of both. It was truly an unparalleled experience delivered.

I was a Sophomore at Penn State Harrisburg studying finance when I first heard about the internship opportunity that Members 1st offers. Right away I knew that it would be great if I was able to take my first footsteps into my career as an intern at Members 1st.  Towards the middle of my junior year I started the application process, by spring break I was contacted about an interview.

It was already an accomplishment that I got an interview. I knew I was in good company. The interview consisted of me and six Members 1st associates. I was eventually offered the internship position in Marketing. How exciting! Now it was time to get to work. Through orientation I was able to learn on a macro scale how the credit union operated. We talked about core values and learned the operating systems. After orientation, I was sent to the Marketing Department where I would have a summer that I will never forget.

The first day on the job is always nerve-racking but I went into it with an open mind and the team welcomed me graciously. In fact, by the end of the first week I already had more experience than I thought I would receive. I was immediately entered into meetings, and received a work load. I was not just confined to myself in a small cubicle, I had the opportunity to genuinely be a part of the team. I worked in the field, setting up and working at events. I was part of the Golf Committee for our annual golf outing, where I had a very hands-on role in organizing for that. I was taken to other branches for meetings between our Outreach Coordinators and Branch Managers.  Not only did I get experience with my department but I had the ability to explore any facet of the company. Everyone was more than willing to sit down with me and answer all of my questions.

Delivering unparalleled experiences is one of Members 1st core values. This strongly shows in every aspect of the business. I gained valuable experience and enjoyed every day of it. I am so fortunate to have had Members 1st help create the building blocks of my career.

Apply today for the opportunity to be one of our 2018 interns! Click here!

A gift that keeps on giving…

Recently a member visited our Elizabethtown Branch to cash in her coins at the coin counter.  This simple task that is a daily occurrence at each of our branches stood out because this member had bigger plans for those coins than a gift for herself.

The member had announced her retirement from a local nursing home in February. In lieu of gifts she asked her coworkers to donate their spare change into a collection can.  On this day she decided it was time to cash in her coins.  She saw a total of just over $388 in coins alone! Once the miscellaneous bills that were also collected in the coin can were jar art with blue background added in, our member had a grand total of $550!  The most amazing part is that this money she raised she gave back to the hospice center of the nursing home she was retiring from in the form of Visa® Gift Cards. These gift cards will be used to purchase requested items for the hospice patients and their families, such as a nice meal out or personal items.

As we approach the holiday season it is important to remember that sometimes the gift with the most impact and sentimental value may be the one that we can pass along to others. This member was able to obtain these gift cards fee-free because of her Member Loyalty Reward Level which allowed the entire amount raised to go towards the people she cared so deeply about.

This is just one example of how credit union members spread the “people helping people” philosophy on which the credit union movement was built.


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