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Why receive your statements in the mail when you can view your account history online 24/7/365?

FMCU members may now view their account history online.Your account history may be viewed via home banking securely. It includes all the same information that you receive with a paper statement and it reduces the risk of fraud and identity theft.

In order for you to stop receiving paper statements and start viewing your account history online, please enroll for online banking

Identity theft is a serious crime and the nation's fastest-growing offense. FMCU is here for its members by offering some valuable advice on how to safeguard your personal and financial records from fraud and what to do if you become a victim.

HOW NOT TO BE A VICTIM

  1. In case of lost or stolen checks or debit card notify us immediately.
  2. HOMEBANKING is now available and you can stop your statement from being mailed. Because of internet fraud, we suggest you install and regularly update a virus protection software.
  3. Never give anyone your MasterCard® Debit PIN number or PASSWORD. Don't carry them with you either, memorize them.
  4. Protect against "Phishing". Never provide your personal information to an unsolicited request whether by phone or internet. FMCU will not ask for personal or account information from you unless you initiate the contact.
  5. Review your account statements regularly to ensure all charges are correct.
  6. Report all suspicious contacts to the Federal Trade Commission by Internet www.consumer.gov/idtheft or phone 1-877-IDTHEFT.

WHAT TO DO IF YOU FALL VICTIM

  1. Contact your Credit Union immediately and alert us of the situation. Also contact the Police Department and file a report.
  2. If you have disclosed sensitive information you should contact all three major credit bureaus and place an alert on your file, this will help prevent thieves from opening new accounts in your name.

CREDIT BUREAUS

YOUR AUTO INSURANCE DOES NOT COVER EVERYTHING

There is a big difference between what your insurance will pay and what you owe on your loan.

Most cars depreciate by thousands of dollars as soon as they are purchased. And if your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared as a total loss, you are still liable to pay the difference, the "gap" between your insurer's settlement and your loan balance. That gap will come out of your pocket for a vehicle that, for all practical purposes, no longer exists.

Guaranteed Asset Protection (GAP) could save you thousands of dollars

GAP is low-cost coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle.

For just a few dollars a month, GAP can save you from making loan payments on a car, truck or other vehicle that's beyond repair, or stolen and not recovered.

It's easy to be covered. You can sign up for GAP when you apply for your vehicle loan. There's no underwriting, no red tape, no hassles. And for your convenience, the amount can be rolled into your monthly loan payment.

Ask about GAP for your next vehicle loan. GAP provides security for financial loss and includes:

  • Protection for the term of your loan, up to 84 months
  • Coverage for vehicles valued up to $100,000 at time of purchase.
  • Payment of benefits up to $50,000.
  • Coverage for auto insurance deductibles as part of the GAP claim settlement up to $1,000 and where allowed by law.
  • Benefits for new or used vehicles, including cars, light trucks, motorcycles and some other motorized vehicles.

Make sure you fill in the GAP!

Protect your family, your car and your credit rating with protection solutions. Contact you loan officers for a quote.

Guaranteed Asset Protection is administered by a third party provider. Please see our privacy policy for additional information about services offered by third parties.

The information contained in this brochure is intended to provide a general outline of the benefits of Guaranteed Asset Protection, and should not be relied upon as providing all benefits and limitations when purchasing this protection. Be sure to carefully read your GAP waiver or policy/certificate of insurance for complete details, including any coverage limitations.

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