Member Education & Consumer Tips

Partnering for Member Security

Ensuring the security of our Members’ information and providing valuable educational information are priorities for RCU. Check out our education articles and consumer tips which offer ways to improve your financial picture, plan for the future, safeguard your identity from theft and more.

Account ⁄ Debit ⁄ ATM Tips Adding Extra Protection for Your Account Security - Multi-Factor Authentication Checking Account Tips Choosing a Secure Online Password Debit Card Fraud System Implemented Elder Financial Abuse Scam: ATM Tampering Top 20 ATM Safety Tips Truncating Member Numbers Credit Card Tips Choose the Right Credit Card Before you Travel, Check your VISA Use Your VISA Safely Overseas Use Your Credit Wisely Credit Reporting Agencies Useful Links Partnering for Security: Verified by Visa Credit Scores What is a Credit Score Obtaining Your FREE Credit Report Credit Union Information Annual Report

Financial Advice ⁄ Retirement Balance Financial Fitness Program Five Easy Ways to Consolidate Debt Increase the Resale Value of Your Home Retirement Planning Tips for Preparing to Buy a Home Tips for Reducing Financial Stress Online Scams ⁄ Fraud ⁄ Identity Theft Identity Theft Contact Info Identity Theft Education Fraudulent Email: Install Software Fraudulent email: Phishing Attempt Uses "NCUA" Online Bill Pay is safer than traditional Mail Online Shopping Safety Phishing Phone Scam Not Fake Website Protect Your Social Security Number THE LATEST SCAMS Tax Information Property Taxes - Are you paying too much? Quicker Tax Returns All About IRAs File your taxes online with TurboTax

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Education Articles - Learn More:

• All About Loans
• Auto Buying
• Identity Theft
• Retirement Planning

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Truncating Member Numbers

RCU has begun truncating our Members’ account numbers on statements and teller receipts. You will only see the last four digits of your account number on each statement.

For example:
Account number: 1234567890
Will be shown as: XXXXXX7890

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Obtaining Your FREE Credit Report

Californians can now get one FREE credit report a year from the three national credit bureaus, Equifax, Experian and TransUnion. Keep informed of your credit score and monitor recent changes and activity to be sure that your sensitive credit information is secure. To request your free report, visit www.annualcreditreport.com, or call (877) 322-8228.

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Quicker Tax Returns with Direct Deposit

This year, receive your tax refund quickly and easily via Direct Deposit. Simply indicate RCU's Routing and Transit Number (321177586) and your RCU account number on your tax form and your refund will be deposited automatically.

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Online Bill Pay

Research shows that it's much safer to pay bills online than through traditional mail. Why? Because your mailbox allows potential access by others to sensitive personal information. However when you pay bills online, the information stays secure - any you save money on postage! Find out more about our FREE online bill payment service.

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Online & Convenience Services from RCU

Save Time & Money

Take advantage of time & cost-saving online and convenience services from RCU:

• FREE RCU Bill Pay - Pay your bills online each month ... no more stamps or checks. Click here for a demonstration!
• FREE RCU Online - Transact RCU business 24 hours a day online.
• FREE ATM Withdrawals at RCU's 38 ATMs & over 20,000 nationwide CO-OP ATMs!
• 24-Hour Telephone Teller - Perform transfers, obtain account history information, make withdrawals by check and more.
• BALANCE Debt Management Program - Take advantage of this FREE & confidential service that includes budgeting, credit counseling and more. Call today: (888) 456-2227!

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Credit Reporting Agencies

You should always be well aware of the information contained in your credit report. We want to help so here are our links to the websites of the three major credit-reporting agencies. These sites will give you credit reporting information and tell you how to order your own credit report. You can also order your credit report by calling the phone numbers listed after each agency.

• Equifax - (800) 525-6285 -- www.equifax.com
• Experian -- (888) 397-3742 -- www.experian.com
• Trans Union -- (800) 680-7289 -- www.transunion.com