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IN THIS ISSUE
Need Christmas Cash?
Christmas Cash
ICU Day
Flu Shots
Nurse's Aid
VISA® Rewards Program
Docu-Shield
Debit EMV Cards
Retailer Data Breaches
ViaSkip Payment
ViaInsurance Q & A
Santa is Coming
Christmas Cash can be used to purchase
gifts for family or friends, fuel up the sleigh
for holiday travels or just enjoy the peace of
mind that comes with a little extra jingle in
your pocket!
Once approved, you may access your
money as you need it, up to your limit* by
transferring in ViaConnect or ViaMobile,
calling or visiting any branch or even setting
up overdraft protection to your ViaChecking.
Holiday Shopping
HOLIDAY CLOSINGS
Apply for Christmas Cash:
• Online
• Call 765.674.6631
• Stop by any branch
*
Christmas Cash is available as an open-end ViaGEM loan. Cash
advance amounts are based on approved limit. Monthly payments are
based on the balance after the most recent advance and does not
change until you receive the next advance. Minimum monthly payment is
4% of new balance, but not less than $20.
Thanksgiving
Thursday, November 24
Friday, November 25
Christmas
Saturday, December 24
New Year's
Saturday, December 31
International Credit Union Day
Celebrates the Authentic
Difference
On October 20, 2016, credit unions around
the world will celebrate International Credit
Union Day (ICU Day). Credit unions are
not-for-profit financial cooperatives, offering
the same services as other financial
institutions, but with a people-first
philosophy. Since 1948, on the third
Thursday of every October, credit unions
have celebrated the principles that make
credit unions the best financial partners of
people all over the world. “The authentic
difference,” this year’s ICU Day theme,
zeroes in on what makes credit unions
different from banks, fintech startups and
other financial institutions—our principles.
Credit unions all over the world have
operated according to the same core
principles since the 1850s, when a group of
weary German workers, tired of being
exploited by loan sharks, formed the
world’s first credit union by banding
together to provide affordable credit to each
other.
These principles are derived from the 7
cooperative principles, shared by all
cooperatives. They are:
Democratic Control: One
member = One vote.
Whether you have $5 or
$5 million, your voice is
equal.
Open and Voluntary
Membership: Members
are connected by a bond
of association, fostering a
sense of community.
Non-Discrimination:
Service to Members:
Credit unions are open to Credit unions are ranked
all without regard for
No. 1 in service in
race, orientation,
numerous surveys,
nationality, sex, religion, because they exist to
gender, or politics.
serve members, not
profit.
Distribution to Members: Building Financial
Credit unions return all Stability: Credit unions
profits to their members are historically stable
through dividends, lower organizations. They’re
owned by the people
fees, better savings
they serve, so they don’t
rates, and improved
take unnecessary risks.
services.
Cooperation Among
Social Responsibility:
Cooperatives: Credit
Credit unions strive for
unions and cooperatives social justice by
share the same
committing to
principles. Together, they strengthening their
amplify each other’s
communities and helping
good works.
people of modest means.
Ongoing Education:
Credit unions prioritize
financial education for
their members,
employees, and
communities as part of
their pursuit of social
justice.
This is why we celebrate ICU Day at Via
Credit Union. We think ideas like people
before profit, social responsibility, and
financial education improve lives. It’s why
cooperative banking is a key component of
helping people in developing countries get
access to microloans, or middle-class
couples in our community receive an
affordable mortgage for their first home.
So when we wish you Happy ICU Day, know
that we’re thanking you for belonging to a
movement that’s helping your
neighbors—and people around the
world—grow and thrive and follow their
dreams.
To celebrate ICU Day, ViaCU will be
serving cookies in our branches on
Thursday, October 20!
ViaCU is hosting flu vaccines
Walgreen’s will be administering FREE*
vaccines at the locations below.
South Marion Branch
Friday, October 14 from 11 am- 1 pm
West Marion Branch
Friday, October 21 from 11 am- 1 pm
Hartford City Branch
Friday, October 28 from 11 am- 1 pm
* Insurance, Medicare Part B and Medicare Advantage will be accepted,
please bring copy of your card. Vaccines are available for ages 11 or
older.
Casual for a Cause: Nurse's Aid
During Saturdays in October, the ViaCU
staff will have the opportunity to pay $3 to
dress down to support Nurse’s Aid.
Nurse’s Aid is a program that provides
school nurses with personal hygiene items
and other necessary supplies beyond first
aid needs. ViaCU’s goal is to spread
awareness and raise enough money to
fulfill each school nurse’s “wish list” each
school year.
If you are interested in contributing to
Nurse's Aid, please contact Michelle
Peterson at 765.674.6631.
®
New VISA Rewards Program
On September 1, 2016, ViaCU introduced a
new Rewards program, CURewards® for
the ViaVISA Platinum credit card. With
CURewards, members now have the option
to redeem points for cash! Members can
choose to receive a cash deposit into their
ViaCU account or make a payment to their
ViaVISA® Platinum credit card.
If you are a current ViaVISA® Platinum
cardholder, you can view or redeem your
rewards by visiting CURewards.
If you are interested in applying for a
ViaVISA® Platinum credit card:
• Complete the online application
• Call 765.674.6631 to receive an
application
• Stop by any branch to start the
application process
Docu-Shield Community Shred
Day
Community Shred Day is Saturday,
November 5, from 11:30 am to 2:30 pm.
This service is available for individuals, not
businesses. Docu-Shield is part of the
Carey Services’ sheltered workshop
located at 2724 South Carey Street in
Marion (across from Lowe’s on the
Bypass). No magazines or newspapers,
please.
Debit EMV Cards
When your ViaCU debit card expires, you
will be receive a new EMV chip card! The
biggest change with the EMV cards is that
you will be REQUIRED to select debit and
enter your PIN at retailers with
chip-enabled terminals.
Also, don’t forget that your reissued card
comes with a new expiration and CVV code,
so you will need to update card information
with any merchant you have authorized to
automatically charge your account.
Did You Know...Retailer Data
Breaches Hurt Your Credit Union?
The news has been filled in recent years
with stories of serious data breaches at
major retailers all across the county. When
these breaches happen at retailers like
Target, Home Depot, Wendy’s, and
hundreds of smaller businesses, not only
is consumers’ account information at risk
but credit unions end up spending millions
of dollars to help their members cope with
the fallout from the retailers’ breach. In fact,
Via Credit Union has already spent over
$130,000 in 2016 responding to data
breaches. Because ViaCU is a
member-owned cooperative, these
breaches are costing you, too.
Why? Retailers are not subject to the same
federal protection standards as financial
institutions, like ViaCU. This means it’s
easier for hackers to gain access to your
credit/debit card number or other personal
data through a retailer. What makes the
situation even worse is that the retailers pay
NONE of the cost for their weak and
ineffective security measures. Credit unions
clean up the mess the retailers caused by
informing members and reissuing or
blocking credit and debit cards. If fraud
does occur, credit unions work with their
members to remove the fraudulent charges
and help members keep their hard-earned
money. It’s your money and your credit
union wants to protect it.
What can you do to help?
There are things that you can do to help
manage the risk of data breaches:
• Don’t respond to email, text, or telephone
calls asking for personal or financial
information.
• Frequently review account activity and
immediately report unauthorized
transactions.
• Place an initial fraud alert with credit
bureaus if fraud has occurred.
You also can tell Congress that it’s time to
stop the data breaches and bring retail
merchants up to the same data protection
standards as credit unions. Legislation,
called the Data Security Act, has been
introduced in Congress that would go a
long way to help stop retail merchant data
breaches. We want our senators and
representatives to support this legislation
and we would like your help encouraging
their support. The quickest way to help is to
visit http://bit.ly/stopthedatabreaches to
send an email to our senators and
representatives.
Retailers need to improve their data
security so consumers like you are
protected from identity theft and financial
fraud, and credit unions can continue to
serve members like you with affordable
financial services.
Slide past your Loan Payment
Take advantage of ViaSkip Payment and
slide past your payment on a closed-end
ViaCU loan once every 12 months. Use the
extra cash to purchase gifts, fuel up the
sleigh for holiday travels or just enjoy the
peace of mind that comes with a little extra
jingle in your pocket!
Please visit bit.ly/ViaSkipPay for complete
details.
Questions for ViaInsurance
Agent: Beth Combs
Does my Homeowner's Policy cover flood
damage?
No, it does not. Flood damage is an
excluded peril. Flood insurance is a
separate policy governed by the Federal
Emergency Management Agency (FEMA).
Generally, your mortgage lender will advise
you if your home is in a flood zone.
To receive a free, no obligation quote for
any of your insurance needs, please
contact Beth Combs at 765.662.3700.
Santa is Coming to ViaCU
Receive a free picture with Santa this
holiday season. Members of all ages are
invited to visit Santa at Via Credit Union!
Santa will be at the following branches
during December.
• West Marion on Tuesday, December 6
from 2:30 to 4:30
• East Marion on Wednesday, December 7
from, 2:30 to 4:30
• South Marion on Thursday, December 8
from 2:30 to 4:30
• Hartford City on Friday, December 9 from
3:00 to 5:00
• Gas City on Saturday, December 10 from
10:00 to Noon
Celebrate this magical season by telling
Santa what’s on your wish list!
Holiday Shopping
Your ViaVISA credit card transaction limit
has been temporarily increased to 15
transactions per day during the holiday
season*. Please remember there is a daily
purchase limit of $1,000 for the ViaCU
MasterCard debit card.
*
ViaVISA credit cards daily transaction limit will be increased to 15
transactions per day from 11/17/16-01/05/17.
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