52775 Boston Hill Road, Clarington Oh 43915 1-800-688-2408 www.ohiovalleycu.org
Member Communication Station
Vol 3 Spring 2017
Every day at the Credit Union is a day of challenge, opportunity and growth. We spend our days planning and
preparing for what we believe is the best and most innovative products and services for you, our members. You
might even hear us say from time to time, “Never a dull moment in CU world”. And we mean it!
With everything
from daunting regulations, fraud, Mortgage lending structure changes and emerging Fin Tech sectors , to just
name a few, we have to stay on top of our game each day. So with that said, you are about to see some new and
exciting products and services coming on board the CU bandwagon. Some have already been put in place and
some are in a testing phase. But, no matter where we are in the process one thing is clear. We work to provide you
with the best in products and services and to stay on top of technology as well as continue to provide you with face
to face member service every day. It is our goal to continue to serve our members now and for many years to come
and that means we will continue to say, Never a dull moment in Credit Union world! That’s just the way we like it!
—Robyn McGuire, VP of Operations
Don’t forget to mark your calendars to attend the 2017 Annual Meeting.
June 6, 2017 at the Lewis Wetzel Family Center, New Martinsville WV
Registration begins at 4:00 pm. Business meeting at 5:00 pm.
We hope to see you there!
Beginning March 1, 2017 through August 2017 you can do
*Balance Transfers with your OVCCU Credit Card at a rate of 0%
Do you Facebook?
We do, and we want you to be our friend!
You can keep up to date and learn a lot about us
from our Facebook page!
So why wait, visit us today on Facebook and
become a part of our Facebook circle of friends!
for *12 months. You can do this by using the convenience checks
that will be included in your statements, by accessing the VISA
portal inside of the online banking CurCU application, or you can
come into any OVCCU office for assistance. You will want to
make sure that you have a sufficient unused credit limit on your
card so that you can take advantage of this amazing deal. If you
do not currently have an OVCCU VISA, no problem. Call or stop
by for an application. We are here to help make your life easier
by helping you with your Debt Stress!
*A 2.5% promotional balance transfer fee will be charged per transaction
*Your Rate will automatically go back to the regular APR after a 12 month
www.facebook.com/ovccu
My Mobile Money
Control how your Debit card is used anywhere, anytime.
Ohio Valley Community Credit Union will soon be launching a new mobile app. The app will give you
greater spending control and protection from fraud for your debit card. You will have the ability to customize alerts
that let you know when, how and where your card is used with the convenience of setting them up and turning them
off when you choose.
Key features include:
- Balance Inquiry - Quickly check how much money you have in your account to avoid overdrafts.
- Balance Transfer - Easily transfer funds between accounts associated with your debit card.
- Ability to turn your card on and off - Misplace your card? Simply turn it off until you find it!
- Ability to alert and deny transactions based on merchant type, location and transaction amount
Protect your account from transactions you wouldn't normally make.
It's easy to manage your debit card account and protect yourself from fraud with My Mobile Money Access.
You will be able to mange and monitor your account wherever you go. My Mobile Money technology will allow
YOU to control your card access without having to place a call to your financial institution's customer support . You
can set up security measures right from your smart phone.
This feature will be available for download to your smartphone May 1, 2017
Did you know that Ohio Valley Community Credit Union offers TruStage Insurance Products.
Check out the information on our website at www.ohiovalleycu.org. All CU offices will be
closed on Monday May 29 in observance of Memorial Day and Tuesday July 4 in observance of
Independence day.
Meet the OVCCU Card Services and
Accounting Department.
Accounting and Card Services work hand in hand to
ensure that member card service needs are met day in
and day out. They handle both VISA and debit card issues.
These departments make Teamwork easy.
Kristie Henderson, Manager of the departments
references a quote by Helen Keller that represents the
department.
"Alone we can do so little; together we can do so much."
Our goal at OVCCU is to continually strive to make
improvements to the services that we provide to our
members. We are so excited to
provide the new "My Mobile
Money" app to our debit
cardholders. We hope you
love it as much as we do.
New Payment Process
Ohio Valley Community
Credit Union is pleased to
Introduce a new process that
will now allow you to make
your loan payments over the
phone or in person with your
credit card or other bank
cards. This new process will
also allow you to withdraw
funds from a gift card or any
other type of card such as
unemployment benefits.
“We are always working harder for you”
Point of Sale and ATM
limits increased!
We have increased the daily limits
for Point of Sale and ATM
transactions.
They are now:
ATM withdrawal —$505
Point of Sale—$2000
If you should need an additional
temporary limit increase please call
our Card Services Department for
assistance.
FAKE CHECK SCAMS….Don’t become a victim
There are many variations of the fake check scam. It could start with someone offering to buy something you advertised, pay you to do
work at home, give you an “advance” on a sweepstakes you’ve supposedly won, or pay the first installment on the millions that you’ll
receive for agreeing to have money in a foreign country transferred to your bank account for safekeeping. Whatever the pitch, the person may sound quite believable.
Fake check scammers hunt for victims. They scan newspaper and online advertisements for people listing items for sale, and check postings
on online job sites from people seeking employment.
They often claim to be in another country. The scammers say it’s too difficult and complicated to send you the money directly from their
country, so they’ll arrange for someone in the U.S. to send you a check.
They tell you to wire money to them after you’ve deposited the check. If you’re selling something, they say they’ll pay you by having someone in the U.S. who owes them money send you a check. It will be for more than the sale price; you deposit the check, keep what you’re
owed, and wire the rest to them. If it’s part of a work-at-home scheme, they may claim that you’ll be processing checks from their
“clients.” You deposit the checks and then wire them the money minus your “pay.
The checks are fake but they look real. In fact, they look so real that even bank tellers may be fooled. Some are phony cashiers checks, others look like they’re from legitimate business accounts. The companies whose names appear may be real, but someone has dummied up
the checks without their knowledge.
You don’t have to wait long to use the money, but that doesn’t mean the check is good. Under federal law, banks have to make the funds
you deposit available quickly–usually within one to five days, depending on the type of check. But just because you can withdraw the
money doesn’t mean the check is good, even if it’s a cashier’s check. It can take weeks for the forgery to be discovered and the check to
bounce.
You are responsible for the checks you deposit. That’s because you’re in the best position to determine the risk–you’re the one dealing
directly with the person who is arranging for the check to be sent to you. When a check bounces, the bank deducts the amount that was
originally credited to your account. If there isn’t enough to cover it, the bank may be able to take money from other accounts you have
at that institution, or sue you to recover the funds. In some cases, law enforcement authorities could bring charges against the victims
because it may look like they were involved in the scam and knew the check was counterfeit.
There is no legitimate reason for someone who is giving you money to ask you to wire money back. If a stranger wants to pay you for
something, insist on a cashiers check for the exact amount, preferably from a local bank or a bank that has a branch in your area.
Want to learn more? Go to www.consumerfed.org/fakecheckscams
Wondering what to
do with the coin
you’ve been saving?
Don’t waste time
rolling it.
We have the
solution!
Bring your loose
coin to our Hannibal
office and let our
coin machine count it for you.
You can then exchange it for cash or
deposit it to your account.
There is NO FEE for Ohio Valley
Community Credit Union members!
We wish to thank everyone who donated money for our
recent fund raising activities. The offices of OVCCU sold 25
boxes of 60 candy bars to raise money for CU4Kids which is a
fund raising group that supports Children’s Miracle Network
Children’s Hospitals.
For more info visit:
http://cu4kids.org/
OVCCU also worked with WTOV9 to collect cash donations for the
Coats for Kids program. Since 1994 Coats for Kids has raised hundreds of
thousands of dollars so that local children can go shopping to buy a new
winter coat. All money raised stays right here in the Ohio Valley . If you
would like to donate to this worthwhile cause you can mail a check made
payable to SinClair Relief Fund with “Coats for Kids” in the memo line.
You can mail your check to WTOV9 Coats for kids, PO Box 9999
Steubenville, Ohio 43952
Thank you for supporting our fund raising efforts!
What’s Trending in Lending
at OVCCU!
Mortgage Lending
GAP PLUS

USDA & VA Loans with NO down payments

FHA Loans with 3.5% down

Conforming Loans at 3% to 5% down to go with
the lowest PMI payments available

Home Equity Loans for up to 90% of
the value of your home

2nd homes/Vacation homes as low as 5% down

Investment Properties with 20% down

Rehab Loans and New Construction Loans
Did you
Will you owe more for your vehicle loan than your
vehicle is worth?
know you
can apply
We offer a product called GAP PLUS which is Guaranteed Asset Protection that will help fill the gap between
what your vehicle insurance pays and what you still owe
for any
type of
loan
online!
if your vehicle is totaled or stolen.
_______
If you are interested in seeing if this product will benefit
you please call our lenders at 1-820-688-2408
W
E
A
Consumer Lending
Talk to your OVCCU loan officer to
purchase your GAP Plus today!

New/Used Automobiles

ATV and SIDE by SIDE-Motorcycles

Watersport Vehicles

Recreational Vehicles

Holiday Loans, Personal Loans and Vacation
E
L
Loans

R
Did you know that you can now call us to make your loan
payment over the phone. You can also make your loan
payments by credit card at any of our offices. It’s all about
convenience and we are doing our part to make it easier for
you.
Debt Consolidation Loans
Call us at 1-740-483-2279 or 1-800-688-2408
Jay Davis, VP of Lending
Ext. 112
Vickie Lee, Mortgage Loan Officer
Ext 113
Rhonda Babe Loan Officer
Ext 139
Terri Pyles Loan Officer
Ext. 108
Stacey Alleman Loan Officer
Ext 177
Corrina Kerner Loan Officer
Ext 186
Tune in as our own Jay Davis talks to radio listeners on
WKKX am 1600 about how to repair damaged credit on
the last Friday of every month from 4:00—5:00 pm.
http://www.watchdognetwork.com
Did you get a letter in the
mail from us to refinance
your Auto Loan from
another lender? We want
to make sure you get the
best rate. Give us a call to
see if we can save you
money!
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