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09.12.16

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**Important Shared Branching Services Update**

Dear Members,

 

Recently we notified our membership of a possibility that Premier Community Credit Union might have to cancel service of the Shared Branch Network due to programing changes that Premier was unable to support. I am glad to report that we have been able to work out a solution that will allow Premier to continue to offer this service without any service interruption to our members. We are very pleased to be able to continue to offer this convenient service to our members, and thank you for your patience and understanding as we were able to resolve the technical issues.

 

Sincerely

 

Russel Hagen
CEO

08.24.16

Read me BEFORE you Travel!!

We live in a time where financial fraud occurs more often than ever before. Fraudsters are working diligently to gain access to your hard earned money and we are working just as hard to protect it for you.

There are certain countries with reported major financial fraud rings. There are other countries that we are unable to do business with because they are listed on the Office of Foreign Assets Control (O.F.A.C.) list. Check O.F.A.C List Here

 

In an effort to keep losses down and protect your money at the same time, your Visa Debit and Credit Cards will not work in the following countries; however completing a Travel Notification Form will allow you to use your Visa Debit Card:

Russia

Romania

Bangladesh

China

Singapore

Hong Kong

 

We will update the blocked countries list periodically as information is released to us. Please check the site each time before you travel. Again, our VISA Debit Card will not work in these countries without completing a Travel Notification Form.

 

TRAVEL TIP!! Providing basic travel information such as dates and destinations along with travel contact information can reduce the chances that your legitimate transactions will not be blocked and help us to contact you faster if fraud is suspected. Premier Community Credit Union's fraud detection system works 24/7/365 days to protect your funds. Stored Value Cards such as pre-paid VISA cards are recommended when traveling to these countries.

 

To submit your completed Travel Notification Form please visit your nearest service center or fax to 209-235-1121.


Important numbers to carry when traveling:

VISA Debit Card

To report your VISA Debit Card lost or stolen: 800-754-4128


VISA Debit Card Fraud Center (US Toll Free): 888-241-2440


Outside US call collect: 909-941-1034


VISA Credit Card

To report your VISA Credit Card lost or stolen: 800-682-6075


VISA Credit Cardholder Services, including fraud (US Toll Free): 800-237-6211


VISA Global Travel Assistance emergency cash & card replacement (US Toll Free): 800-VISA-911


Outside US call collect: 410-581-9994

08.23.16

NCUA Warns of Text Phishing Scam

ALEXANDRIA, Va. (Aug. 23, 2016) – The National Credit Union Administration has received consumer calls about a suspicious text message claiming to come from the agency.

The message reads: “National Credit Union Administration Alert for (recipient's phone number). Contact 844-234-5445.”

This is not a communication from NCUA. The agency does not seek personal information through the internet or on the telephone.

Please contact NCUA's Consumer Assistance Center at 1-800-755-1030 between 8 a.m. and 5 p.m. Eastern if you receive one of these messages. NCUA also recommends contacting your credit union and local law enforcement.

View the entire press release here

08.02.16

1.  Why are chip card transactions more secure?

Chip cards are more difficult to counterfeit or copy. They offer advanced security for in-store payments by making every transaction unique. If the card data and the one-time code are stolen, the information cannot be used to create counterfeit cards and commit fraud.

2.  How do I use my chip card?

During the transition to chip cards, you can swipe your card as you normally would, and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert the card instead. If you already know your chip card works there, start by inserting your card.

These basic steps will help ensure successful transactions:

1.     Insert your card firmly with the chip toward the terminal, facing up until the screen changes. Do not remove until prompted.

2.     Provide your PIN first if available or your signature as prompted by the terminal. Some transactions may not require either.

3.    When the terminal says the transaction is complete, remove your card. Always remember when you use your chip card to follow the prompts on the terminal and leave your card inserted until prompted to remove it


3.  Can I still pay in store if I don’t have a chip card?

Yes, merchants will continue to accept magnetic stripe card payments.

4.  Can I scan my card?

No. This card is not contactless and cannot be scanned.

5.  Does this chip track my card like GPS?

No. This is not a GPS chip. It is only for an additional layer of fraud protection.

6.  When can I expect to get my Premier Community Credit Union Chip Card?

We will begin issuing chip enabled cards in July 2016.

7.  What does a chip-enabled terminal look like?

Chip-enabled terminals have all the features you are used to with a payment terminal, with the addition of a slot to insert your card. The slot is typically located at the bottom or the top of the payment terminal.

8.  How will I know if a terminal accepts chip cards?

During the transition to chip, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert it instead. If you already know your chip card works there, start by inserting your card. Some terminals accept both swipe transactions as well as insert transactions.

9.  What if the terminal does not accept chip cards?

You can still use your card as you do today. The cards still have a magnetic stripe on the back that will work.

10.  Where can I use my chip card?

Everywhere! Your card will have a chip and a magnetic stripe to accommodate any situation. During the transition to chip, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert it instead. If you already know your chip card works there, start by inserting your card.

11.  Will anything change during my online purchase?

No. You will use your chip card for online purchases by following the same process you do today.

12.  Can I use my chip card outside of the US?

Yes. Chip cards are widely used in international markets and are accepted in more than 80 countries. Having a chip card will make it easier for you to make purchases when you travel internationally.

13.  What's the difference between "Chip" cards, "Smart" cards, and "EMV" cards?

There is really no difference. All of these names refer to the same security technology.

14.  What if I don’t want to get this new type of chip card? Can I ask to have the same type of card I have now?

For your account protection, all of our cards will be reissued as Chip Cards. There is no way to provide you with any other type of card. All financial institutions will be converting over to Chip cards to improve security for members.

Remember to take your chip card once you've completed your transaction.

08.02.16

We have recently issued new EMV Chip Enabled Debit Cards. These cards will help protect your accounts from the rising number of merchant compromises.

  

Have you received your new card?

We wanted to provide you with information regarding your new EMV Chip Enabled Debit Card. If you have not already received it, you should be receiving a new Debit Card with a new number and a new PIN, in the next few days.

Your old debit card (non-EMV Chip) will be closed on September 20, 2016.

 

What should I do with my old card?

If you have recurring payments on those cards, you will need to change over the payment information to the new card information before September 20, 2016.

Examples would be auto insurance, Netflix, gym memberships, monthly subscriptions,  etc. When you feel you are ready to destroy your old card please cut it up in multiple pieces before depositing them into the trash. OR feel free to surrender the card at any one of our Service Centers.

 

How do I activate my new card?

Call the number on the sticker.

209-235-1100 or toll free 1-800-731-2288

Choose > OPTION 1 for Easy Access Phone Banking, then

Choose > OPTION 1 for Card Services, then

Choose > OPTION 1 to Activate a Card

 

The system will then ask you to enter your card number and answer a few security questions.

 

Is it the same PIN number from my old card?

NO

 

The pin number is mailed out to you on a different day then the actual card. Typical arrival time is within 3-5 days of each other.

 

How to change your PIN number?

You have a few options:

1.  You can come into one of our Service Centers and speak with one of our Member Service Representatives.

2.   If you have your PIN mailer, you can go to our Benjamin Holt or Manteca Service Centers to change your PIN at the ATM.

3.   You can follow the prompts as listed on your PIN Mailer.

§  Note: You will need to call from the Primary Home Phone Number and you will need to know the primary members mother’s maiden name.

 

Should you have any questions please feel free to call us at 209-235-110 or visit one of our Service Centers. We appreciate your business.

 

 

We're Here For You!

05.19.16

Buying a car can be a daunting experience even if it isn't your first car. Here are some things to think about before you buy your next car. Take a look at our terrific promotions:

Dog Days of Summer

After that, apply for your vehicle loan with us!

1Know your budget - Even though you may qualify for a large loan amount, you have to decide whether you want to sacrifice other things (food, medicine) to make the payments for your dream ride. Budget
2Get a pre-approved loan - If you know your budget, and you are aware of your credit score, you could qualify for a pre-approved loan.  The pre-approval speeds up the process of making your dream ride a reality. Pre-Approved
3Credit Union Gap is cheaper - Low rate Gap Insurance Offered at PCCU, ask a credit union representative! Gap
4What is MBI? Get it now...Mechanical Breakdown Insurance (MBI) can protect you from a very high repair bill.  For a few dollars a month, you could potentially save thousands on repairs. MBI
5Get Auto Insurance - You can never be too prepared. Whether it is your fault or not, protecting yourself with insurance can prevent you from driving into a big loss in savings. Auto Insurance
6Compare car prices - Not all dealerships are alike.  A dealer in one part of town could sell you the same car that is thousands of dollars cheaper in another neighborhood. Compare
7Read the fine print - Knowing the details can prevent you from making a huge mistake.  Read your contract before signing! Fine Print
8Don't make impulsive decisions - Unlike that bad hairdo that your hairdresser persuaded you to get, a bad car choice can haunt you for a long time.  It's better to think about your purchase, talk it over with a friend, or better yet, "sleep on it". Decision
9Do your homework - You may not have been a straight "A" student, but a little research goes a long way! Homework
10Make sure that all the features on your car are listed on the sticker - Before you take home your dream ride, make sure that your vehicle actually has the BOSE sound system that is listed on the sticker. Sticker
02.23.16

Investment Planning

Premier Community has a strategic alliance relationship with True North Finance Group to bring financial planning expertise to our members. On-site Financial Advisors will help you create a personal plan for your investments, retirement and insurance needs, college expenses, estate planning and more! For more information, or to schedule an appointment with an Advisor, call 209-954-4348.

Products and services offered through MML Investors Services, LLC are not credit union deposits or obligations; are not guaranteed by any credit union; are not NCUA-insured; and are not insured by any government agency. Investments may lose value.

Tony Delumen
(925) 979-2354
tdelumen@financialguide.com
CA Insurance Lic. # 0F04675
 
Danielle Cunningham
(925) 979-2372
daniellecunningham@financialguide.com
CA Insurance Lic.#0I61267
 
Licensing

Tony Delumen is licensed in the following states: CA, CT, GA, IA, IL, MD, NV, OK, PA, RI, TX, VA, WV
Tony Delumen is registered to offer securities in the following states: CA, CT, GA, IA, IL, PA, RI, TX, VA, WI, WV
He cannot communicate with or respond to inquiries from users who reside in jurisdictions where he is not licensed to conduct insurance or securities business.
CA Insurance License # 0D47382

 

Danielle Cunningham is licensed in the following states: CA

She cannot communicate with or respond to inquiries from users who reside in jurisdictions where she is not licensed to conduct insurance or securities business.

CA insurance License # 0I61267


 

 

 

 

Danielle Cuningham is a registered representative of and offers securities through MML Investors Services, LLC. Member SIPC (www.sipc.org) Supervisory office: 3003 Oak Rd Suite 250 Walnut Creek, CA 94597. (925) 979-2300. Premier Community Credit Union and True North Financial Group are not subsidiaries of MassMutual or its affiliate companies.

 

 

 

Tony Delumen is a registered representative of and offers securities, investment advisory and financial planning  through MML Investors Services, LLC. Member SIPC (www.sipc.org) Supervisory office: 3003 Oak Rd Suite 250 Walnut Creek, CA 94597. (925) 979-2300. Premier Community Credit Union and True North Financial Group are not subsidiaries of MassMutual or its affiliate companies.

 

 

 

 

 

 

06.19.15

TruStage: Insurance the credit union way.

Insurance protection is part of a solid financial plan. That’s because dependable coverage helps ensures financial relief when you need it most. And along the way, that coverage means you’ll take comfort in knowing you’re protected.

Founded on nearly 80 years of working together with credit unions, we make a variety of insurance products and programs available to members like you—and help you protect what matters most.

Welcome to TruStage and insurance the credit union way. To learn more, get quotes or just explore, call Jason Seymore at 925-308-7978 x58217.  To meet Jason, click hereFeel free to refer yourself or your friends to Jason.

© TruStage Insurance Agency, 2013. All rights reserved.

TruStage™ insurance products and programs are made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company and other leading insurance companies.



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TruStage™ Auto & Home Insurance Program

Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote today or call 925-308-7978 x58217.

TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

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TruStage™ Life Insurance Plans

Exclusively for credit union members, we offer TruStage Life Insurance Policies to help you protect the people who matter most in your life. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget and provide excellent coverage.

Learn about this important coverage or call 1-855-612-7909 for more information.

TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

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$2000 of TruStage™ Accidental Death and Dismemberment Insurance Coverage Is Yours.

One of the nice benefits of credit union membership is a no-cost TruStage Accidental Death and Dismemberment (AD&D) insurance policy from CMFG Life Insurance Company. AD&D coverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life due to an accident.

You can get $2000 of coverage, paid for by your credit union, and provided by CMFG Life Insurance Company. You can also get up to an additional $300,000 AD&D coverage from CMFG Life at affordable rates.

Sign up for your no-cost or additional protection today.

TruStage™ AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

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