TOOLS & RESOURCES

Motion’s TRAVEL ALERT:

International Travel Notice: Visa® Fraud Control confirmed that most fraudulent activity originates outside of the United States. Thus to help guard you against fraud, our Debit Card(s) have an international security block. If you plan to travel outside of the United States, we ask that you notify us at least one week prior to your trip at: 908-862-6966 option 3 and then option 4 to have the block temporarily removed and to ensure you can use your Debit Card(s) without interruption. The information you will have to provide us will include the exact dates of your travel and the country/countries you will be visiting; or the date(s) you will perform a non U.S based transaction and the country with which you will be transacting. For added security, you may still receive a courtesy call from our fraud monitoring service asking you to verify your international purchases.

Visa® is accepted worldwide, and by signing for purchases you ensure Visa® is processing the transaction. When using your Debit Card abroad, it’s recommended to use the credit option rather than using your PIN at participating merchants. If you enter your PIN instead, the payment is routed differently and some international merchants may not be able to process your PIN transactions, resulting in a declined payment. However, your Debit Cards will work in international ATMs by using your PIN.


YOUR $250,000 IS COVERED!

Your shares in Motion Federal Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF) or the Fund, an arm of NCUA. Established by Congress in 1970 to insure member share accounts at federally insured credit unions. The Fund is managed by NCUA under the direction of the three-person NCUA Board. Share insurance is similar to the deposit insurance protection offered by the Federal Deposit Insurance Corporation (FDIC).

The basic insured amount for a credit union member/owner under current law is $250,000. Share accounts maintained in different rights or capacities, or forms of ownership, may each be separately insured up to $250,000. Thus, a member may hold or have an interest in more than one separately insured share account in the same insured credit union.

All types of member share accounts and deposits received by the credit union in its usual course of business, including regular shares, money market accounts, share certificates, and share draft accounts may be insured.

If a member has an Individual Retirement Account in the credit union, this account is separately insured up to $250,000 by NCUA. It’s YOUR RIGHT to have your money protected. We have you covered at Motion!

To estimate your insurance coverage amount click here.


SHARE INSURANCE FAQ

How do I know if my credit union is federally insured?

All federally insured credit unions must prominently display the official NCUA insurance sign at each teller station, where insured account deposits are normally received in their principal place of business and in all branches. federally insured credit unions are also required to display the official sign on their Internet page, if any, where they accept share deposits or open accounts. No credit union may end its federal insurance without first notifying its members.

Is it possible to have more than $250,000 at one federally insured credit union and still be fully covered?

You may qualify for more than $250,000 in coverage at one insured credit union if you own share accounts in different ownership categories. The most common account ownership categories for individual and family shares are single owner accounts, joint accounts, certain retirement accounts, revocable trust accounts, and irrevocable trust accounts


Visa® Lost or stolen card holder service: 800.299.9842 or 800.237.6211

Pay by phone: 800.299.9842

Still have questions? Call our Visa® Department at: 908.862.6966, option 3 or visit a branch.


CREDIT UNION INFORMATION:

National Credit Union Administration – www.ncua.gov


MEMBER SERVICES:

Re-Order Credit Union Checks – Main Street
VISA Credit Card Account Info – www.ezcardinfo.com


CALCULATORS:

www.loanspq.com


Cybersecurity Incident & Important Consumer Information

At Equifax, protecting the security of the information in our possession is a responsibility we take very seriously. This is to notify you of a data security incident that may have exposed some of your personal information, including your Social Security number and other identifying information. This site explains the incident and steps Equifax has undertaken to address it. In addition, we provide guidance below on what you can do to protect your personal information.

I. What Happened
On July 29, 2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. Upon discovery, we acted immediately to stop the intrusion. The company promptly engaged a leading, independent cybersecurity firm which has been conducting a comprehensive forensic review to determine the scope of the intrusion, including the specific data impacted. Equifax also reported the criminal access to law enforcement and continues to work with authorities. Based on the company’s investigation, the unauthorized access occurred from mid-May through July 2017.

II. What Information Was Involved
Most of the consumer information accessed includes names, Social Security numbers, birth dates, addresses, and in some instances, driver’s license numbers. In addition, credit card numbers for approximately 209,000 consumers and certain dispute documents, which included personal identifying information, for approximately 182,000 consumers were accessed. In addition to this site, Equifax will send direct mail notices to consumers whose credit card numbers or dispute documents with personal identifying information were impacted. We have found no evidence of unauthorized access to Equifax’s core consumer or commercial credit reporting databases.

III. What We Are Doing
Upon learning of this incident, Equifax took steps to stop the intrusion, and engaged an independent cybersecurity firm to forensically investigate and determine the scope. Equifax also engaged the cybersecurity firm to conduct an assessment and provide recommendations on steps that can be taken to help prevent this type of incident from happening again.

Equifax is focused on consumer protection and has established a dedicated website, www.equifaxsecurity2017.com * to help consumers. We have provided a tool on this site for you to determine if your information was potentially impacted by this incident. To find out if you are potentially impacted, please go to *www.equifaxsecurity2017.com, and click on “Potential Impact,” and enter your last name and last 6 digits of your Social Security number.

We are also offering free identity theft protection and credit file monitoring to all U.S. consumers, even if you are not impacted by this incident. This offering, called TrustedID Premier, includes 3-Bureau credit monitoring of your Equifax, Experian and TransUnion credit reports; copies of your Equifax credit report; the ability to lock and unlock your Equifax credit report; identity theft insurance; and Internet scanning for your Social Security number – all complimentary to U.S. consumers for one year. To find out more information on this complimentary offer and to sign up, please click on the tab “Enroll” on this site. You must complete the enrollment process by November 21, 2017.

IV. What You Can Do
In addition to enrolling in identity theft protection and credit file monitoring, please see the “Identity Theft Prevention Tips” below, and the “State Information” tab of this site. This information provides additional steps you can take, including how to obtain a free copy of your credit report and place a fraud alert and/or credit freeze on your credit report. In addition, please monitor your account statements and report any unauthorized charges to your credit card companies and financial institutions.

V. For More Information
Equifax is committed to ensuring that your personal information is protected, and we apologize to our consumers and our business customers for the concern and frustration this incident causes. If you have additional questions, please call our dedicated call center at 866-447-7559, available from 7:00 a.m. to 1:00 a.m. Eastern time, seven days a week.

Identity Theft Prevention Tips
We recommend that you remain vigilant for incidents of fraud and identity theft by reviewing account statements and monitoring your credit reports. You may obtain a free copy of your credit report from each company listed below once every 12 months by requesting your report online at www.annualcreditreport.com, calling toll-free 1-877-322-8228, or mailing an Annual Credit Report Request Form (available at www.annualcreditreport.com) to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281.

You may also purchase a copy of your credit report by contacting any of the credit reporting agencies below:

Equifax
PO Box 740241
Atlanta, GA 30374
www.equifax.com
888-766-0008

Experian
PO Box 9554
Allen, TX 75013
www.experian.com
888-397-3742

TransUnion
PO Box 2000
Chester, PA 19016
www.transunion.com
800-680-7289

If you believe you are the victim of identity theft, you should contact the proper law enforcement authorities, including local law enforcement, and you should consider contacting your state attorney general and/or the Federal Trade Commission (“FTC”). You also may contact the FTC to obtain additional information about avoiding identity theft.

Federal Trade Commission, Consumer Response Center
600 Pennsylvania Avenue NW, Washington, DC 20580; 1-877-IDTHEFT (438-4338) www.ftc.gov/idtheft


YOUR $250,000 IS COVERED!

Your shares in Motion Federal Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF) or the Fund, an arm of NCUA. Established by Congress in 1970 to insure member share accounts at federally insured credit unions. The Fund is managed by NCUA under the direction of the three-person NCUA Board. Share insurance is similar to the deposit insurance protection offered by the Federal Deposit Insurance Corporation (FDIC).

The basic insured amount for a credit union member/owner under current law is $250,000. Share accounts maintained in different rights or capacities, or forms of ownership, may each be separately insured up to $250,000. Thus, a member may hold or have an interest in more than one separately insured share account in the same insured credit union.

All types of member share accounts and deposits received by the credit union in its usual course of business, including regular shares, money market accounts, share certificates, and share draft accounts may be insured.

If a member has an Individual Retirement Account in the credit union, this account is separately insured up to $250,000 by NCUA. It’s YOUR RIGHT to have your money protected. We have you covered at Motion!


International Travel Notice: Visa® Fraud Control confirmed that most fraudulent activity originates outside of the United States. Thus to help guard you against fraud, our Debit Card(s) have an international security block. If you plan to travel outside of the United States, we ask that you notify us at least one week prior to your trip at: 908-862-6966 option 3 and then option 4 to have the block temporarily removed and to ensure you can use your Debit Card(s) without interruption. The information you will have to provide us will include the exact dates of your travel and the country/countries you will be visiting; or the date(s) you will perform a non U.S based transaction and the country with which you will be transacting. For added security, you may still receive a courtesy call from our fraud monitoring service asking you to verify your international purchases.

Visa® is accepted worldwide, and by signing for purchases you ensure Visa® is processing the transaction. When using your Debit Card abroad, it’s recommended to use the credit option rather than using your PIN at participating merchants. If you enter your PIN instead, the payment is routed differently and some international merchants may not be able to process your PIN transactions, resulting in a declined payment. However, your Debit Cards will work in international ATMs by using your PIN.


Tips for Protecting your Information

We would like to remind you of the value of taking good security precautions. It is a good idea to develop strong and secure online passwords and to change them frequently. Below are a few tips for good password practices.

• Include numbers, symbols and letters.
• Use a combination of capital and lowercase letters.
• Do not use the same password across multiple sites.
• Do not store important passwords, such as your home banking
password, in your email account.
• Monitor your accounts regularly for suspicious activity.


Report Suspicious E-mails

Internet scams are nothing new, and as more of us conduct our business online, we’re also becoming more business savvy in spotting suspicious e-mails. Unfortunately, the Internet scammers are becoming more sophisticated in their tactics, for example, creating fake websites which appear to be legitimate, but are actually designed to lure unsuspecting users into providing confidential information.


Debit & Credit Card Fraud

Motion works continuously to monitor your accounts for fraudulent activity. If you feel your accounts are ever compromised, contact Motion’s Visa Fraud Department immediately at: 800.237.6211.


Phishing Scams

Phishing can be defined as any type of email-based social engineering attack, and is the favored method used by cyber criminals and nation-state actors to carry out malware and drive-by attacks. These are fraudulent emails disguised as legitimate communication that attempt to trick the recipient into responding by clicking a link, opening an attachment, or directly providing sensitive information.

Motion will never solicit your personal information via phone or email.


Online Security

Cyber security attacks can take many forms and utilize all web-capable devices to access and compromise your personal data. Arm yourself against the threat and immediately report questionable activity.


Card Skimming

Card skimming is illegal copying of information from the magnetic strip of a credit card or ATM card. Scammers try to steal your details so they can access your accounts. Once scammers have skimmed your card, they can create a fake or ‘cloned’ card with your details on it. Scammers are then able to run up charges on your account and steal your identity.

If you suspect that a skimming device has been installed on an ATM that you are using or trying to use, contact your local police department immediately.


Tips on Creating Passwords

Your personal information and accounts are better secured with a strong password. Weak passwords can leave your computers, personal information and accounts vulnerable for attacks. A weak password could contain a username, an actual name, or the name of a company. In fact, it could be a complete word from the dictionary, i.e., password. Create a strong password that you will remember. Make it complex by mixing upper and lower case letters, mixed with numbers.


The National Credit Union Administration (NCUA) Warns about Telephone Fraud

The National Credit Union Administration today warned consumers to beware of a new telephone fraud, known as a “vishing” scheme that is using the agency’s name in an attempt to obtain personal financial information.

Several credit union members have been contacted by an automated phone call claiming to be from NCUA and notifying consumers their debit cards have been compromised. The call then asks the receiver to follow prompts, which request personal information, including sensitive financial data and personal identification information.

Anyone contacted by this so-called “vishing” scheme should immediately contact NCUA’s Consumer Assistance Center Hotline at 800-755-1030 or by email at phishing@ncua.gov to report the scam. Operators answer calls Monday through Friday between 8 a.m. and 5 p.m. Eastern.

NCUA neither seeks personal information from consumers over the telephone nor handles day-to-day maintenance of member account information. NCUA works with law enforcement agencies, including the FBI, to protect consumers from frauds of this nature.

NCUA urges consumers to never verify or release personal financial information to unknown callers.


Security Tip

One’s identity is one of your most valuable assets. Motion is committed to teaching members how to prevent identify theft and report fraud. Shred documents that contain your name, address and other sensitive data.

For more fraud alerts information click here.


Motion offers insurance options through TruStage™

What is TruStage™?

TruStage™ is insurance the credit union way. These products and programs are made available through TruStage Insurance Agency and offered only to credit union members. Today, more than 15 million members rely on TruStage for their products, programs, services, expertise and experience. With a commitment to dependability and a members-first philosophy, TruStage helps you protect what matters most.

Exclusively for credit union members. Looking for insurance protection? We've Got You Covered. Find Out More.