We’ve Opened Another Branch in Lancaster!

We opened our 51st branch on Monday, August 27 at 2050 Columbia Avenue, Lancaster. This new branch features convenient lobby & drive thru service, an image-enabled ATM (depository/cash dispensing) – the latest technology in ATM service  and you don’t need an envelope to make deposits! There’s also a FREE coin counters for members. This new branch is open during the following convenient hours:

Lobby Hours:
Monday – Thursday………………  9 a.m. to 5 p.m.
Friday…………………………………….9 a.m. to 7 p.m.
Saturday…………………………………9 a.m. to 2 p.m.

 Drive-Thru Hours:
Monday – Wednesday……………….. 8 a.m. to 6 p.m.
Thursday – Friday………………………8 a.m. to 7 p.m.
Saturday………………………………………..8 a.m. to 2 p.m.

Grand Opening Celebration
Why not join us for our Grand Opening Celebration on Saturday, September 22 from 10 a.m. to 1 p.m? The event will feature games, prizes and a Kindle Fire giveaway. Free sodas, water and BBQ will also be provided while supplies last. There will be a live radio broadcast with 101 The Rose WROZ-FM from 10 am to noon.

Don’t forget that we have branches located throughout Adams, Cumberland, Dauphin, Lancaster, Lebanon and York Counties and serve over 213,000 members worldwide.  We’ll also be opening another full service branch located at 4000 Carlisle Road, Dover,  on Monday, September 10. 

Click here for more information about becoming a member.

International Travel Made Easy with our NEW VISA Re-loadable Pre-Paid EMV Chip Card

Feel like going international? Make sure you get our new International VISA Re-loadable Pre-Paid EMV Chip Card  (EMV= Eurocard, Mastercard and VISA) before you cross the US borders.  Our International VISA Re-loadable EMV Chip Card is the perfect traveling companion for anyone visiting locations outside of the United States.

Designed with the latest technology in a fully reloadable card product, the card features an embedded microchip that aids in reducing the chances of unexpected transactional inconveniences such as transactions being denied or rejected because of lack of merchant training; the use of chip-only unattended subway and vending terminals; and the fact that some overseas merchants do not want to accept the magnetic stripe cards because of risk.

It also delivers full debit card functionality at the point-of-sale, ATM access, cash advances and may be used online. This card product is specifically designed for our Credit Union members who are working, traveling, living or studying in Canada, Europe and other regions of the world where EMV Chip Card technology is the preferred method of payment.

“This step into EMV Chip Card technology has two objectives for us – first to serve our international traveling membership and ensure smooth transactional experiences abroad; and second to deliver greater levels of security and risk mitigation tools within our card programs including our pre-paid programs and standard debit and credit cards,” explained Jim Heile,  our Assistant Vice President of Card Services. “While we’re doing all that we can to protect our members from fraud, account security risks and identity theft, we don’t have control over what others are doing elsewhere. This puts that extra layer in place in addition to the added convenience when a member is outside of the US border.”

In a recent study completed by VISA, it was reported that the decline ratio in international locations throughout the world has reached 10.7% because of the lack of EMV Chips and international merchants being reluctant to accept older magnetic stripe technology.

The EMV Chip Card also allows a member to travel without having to obtain foreign currency prior to the trip. The Card can be used to make purchases at millions of VISA debit locations worldwide and to obtain cash at any VISA ATM worldwide. Even merchants in countries who only accept cards with a Chip will be able to approve the transaction. However, note that some unattended kiosk terminals outside the U.S. such as luggage cart rentals, parking garages, even transit terminals may decline an International Prepaid Card due to the way the authorization is sent.

George Nahodil, our Executive Vice President of Retail Delivery, Public Relations and Marketing, believes our members will appreciate this new product. “We’re definitely excited about being able to add this product to our Card mix. If there is any way we can make our members’ experience positive, be it here or overseas, we’ll find a way to do just that. We’ve found that the United Kingdom, Italy and France are the top three countries where members are beginning to experience major changes at the point-of-sale. Even our neighbors in Canada are in the midst of a major migration to EMV Chip Card point-of-sale terminals at merchants. This Card is perfect for business travelers as well as students who may be studying abroad as well as the casual traveler,” he said.

 “We not sitting back watching what others are doing, we’re very much involved in the future today and EMV Chip Card technology is just the beginning,” said Heile.

How do you get your International VISA Re-loadable Pre-Paid EMV Chip Card? First you have to be a member of our Credit Union. This card may be purchased by any member at one of our conveniently located 51 branches or through www.members1st.org. For more information about obtaining an International VISA Re-loadable Pre-Paid EMV/Chip card, interested individuals may call (800) 283-2328, ext. 6035 or visit www.members1st.org; click “Products & Services”, followed by “Card Services”.

Our Favorite Three Words – Simply The Best

Thank you, readers of Harrisburg Magazine! We appreciate your voting us “Simply the Best” credit union in Southcentral PA for the 9th year in a row!

Simply The Best logo

Palmyra Branch Grand Re-Opening Event Slated

Join us on Saturday, August 4, from 10 am to 1 pm as we celebrate the grand re-opening of our Palmyra Branch, located at 960 East Main Street, Palmyra. The event features a live radio broadcast with WLBR 1270 AM from 10 am to noon, free sodas, water and hot dogs (while supplies last) and a Kindle Fire giveaway.

We look forward to meeting you. Stop by to learn about our current promotional offers and to open your new account.

Palmyra branch grand re-opening_Lebanon Daily News_7_29_12

Join us – July 27 at our Quentin Road Branch

We are hosting a one-year anniversary celebration for our Quentin Road branch, located at 1940 Quentin Road, Lebanon, on Friday, July 27, from 11 am to 2 pm. This event will feature a live radio broadcast with WQIC-FM 100.1 from 11 am to 1 pm. In addition, we will be serving free sodas, water and hot dogs while supplies last. Attendees may enter to win a Kindle Fire.

If you’re not a currently a member, this is a great event to attend to get to know us and to talk to our branch associates about opening your new account. Keep in mind that even if you currently “bank” elsewhere, we make it easy to help you switch your account over to us. We’ll give you all of the forms you need. Don’t forget to ask us about our VISA Balance Transfer promotion and how you can get a VISA Debit Card that not only pays you when you use it, but that you can also personalize with your favorite personal photo. Ask an associate for details.

We look forward to seeing you at our Quentin Road branch one-year anniversary celebration.

Quentin Road Branch Ad_Leb Daily News_7_22_12

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.

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