Five Steps to Organizing
Your Finances - Page 4
Mayfield Ice Cream Coupon
America’s First Benefit Partner - Page 6
Don’t Get Hooked by a
Phishing Attack - Page 9
CREDITLINES
Summer
2014
RELAX!
Transfer Your Balance
to an America’s First
Credit Card and Receive
1.15% APR
till
1/15
(January 31, 2015)
On Balance transfers of $500 or more.
(See inside center spread for full details)
Find inside:
A Better Way to Pay for College - page 7
Save Big with Sprint Discount - page 9
Increased Postage for Checks - page 11
OFFICIAL NEWSLETTER OF
AMERICA’S FIRST FEDERAL CREDIT UNION
FEDERALLY INSURED BY NCUA
IT’S OKAY TO ASK
FOR DIRECTIONS
Balance is
everything
With so many paths to choose, it’s easy to get lost on your way to
a secure retirement. The right directions can make all the difference.
We can help you create a road map and choose the investment vehicles
that align with your needs.
Your investment plan should be created just
for you; however, developing and maintaining
a comprehensive plan can be a bit of a
balancing act.
Call today for more information or to schedule a consultation.
CHECKUPS
ARE GOOD FOR
YOUR FINANCIAL
HEALTH
I can deliver the guidance needed to develop
a well-balanced investment plan.
Call today for more information or to
schedule a consultation.
You have an annual physical to make sure you are
healthy. What do you do to make sure you remain
financially fit?
Once a year, you should have a thorough financial
checkup. We specialize in thoughtful and unbiased
investment guidance designed to keep your
finances in shape.
Call today for more information or to schedule
a consultation.
America's
Financial
America's
FirstFirst
Financial
America's
First
Financial
Located
at America's
First
FCU
Located
atAmerica's
America's
FirstFederal
Federal
Credit Union
Located
at
First
CU
Russell
W
Jordan,
CFP®,
CFA®
,
CFP®,
CFS®
Russell
W.
Jordan
Russell W. Jordan, CFP®, CFS®
LPLFinancial
FinancialRepresentative
Advisor
LPL
Financial
Advisor
1200 Fourth Avenue N
Birmingham, AL 35203
1200
Fourth
AvenueOffice
North
1200
Fourth
Avenue
North
(205)
320-4035
Birmingham,
AL
35203
Birmingham,
AL
35203
(205) 320-4015 Fax
(205)320-4035
205.320.4035
[email protected]
[email protected]
[email protected]
Mobile Office
Jason Fuller
LPL Financial Representative
1050 Montlimar Drive
Mobile, AL 36609
251-342-2328 Office
251-342-8679 Fax
[email protected]
Securities
offered
through
LPL
member
Insurance
products
Securities
offered
through
LPL Financial,
Financial,
Member FINRA/SIPC.
FINRA/SIPC.
Insurance
products
through LPL
offered
through
LPL Financial,
Member FINRA/SIPC.
Insurance products
offered
throughoffered
LPL Financial
Not NCUA Insured Not Credit Union Guaranteed May Lose Value Securities
offered
through
LPL
Financial
or its
licensed
affiliates.
America's
First
FCU and
America's
First
Federal
Credit
America's
First
Financial
notregistered
registered brokers/
Located
at America's
FirstUnion
Federaland
CU and
America's
First
Financial are
are not
or itsaffiliates.
licensed affiliates.
America's
Financial.First Financial: not registered broker/dealer(s) nor affiliate(s) of LPL Financial.
brokers/dealers nor affiliates of LPL Financial.
MKT-06075-0410
MKT-06075-0410
MKT-06088-0410
MKT-06089-0410
Tracking
#638101
Tracking
#641559
Tracking
#638101
Tracking
#641565
From the President’s Desk
Bill Connor
President and CEO
Summer brings the end of the school year
and a host of activities including family vacations, summer camp, baseball, swimming
and those ever-popular cook-outs. The summer months also mark the halfway point of
the year and that’s always a good time to review how well we are doing in accomplishing
the business objectives established by the
Board of Directors and management team.
I’m particularly excited to report that lending volumes have returned to levels not seen
in several years. Auto lending has been particularly strong with our spring 1% back promotion producing almost $50 million dollars
in new loans for 2,325 members. Continued
low interest rates coupled with local decisionmaking and on-site financing at over 144 Alabama dealerships made this our most successful loan campaign in quite some time. If
you missed out on the promotion, you can still
get a great rate on that car, boat or RV you’ve
been eyeing. Come by or give us a call today.
Speaking of great rates, we recently
launched our summer credit card promotion. Until the end of July, transfer balances
from your non-AFFCU credit or store cards
and pay only 1.15% APR until 1/31/15. If
you already have one of our America’s First
credit cards, you know what a great deal it
is. If you don’t yet carry one of our cards,
check the pull-out brochure in this newsletter and apply today. We have a card to fit
every need whether you prefer a cash back
card, a travel rewards card or a no-frills, low
rate card. We even have a special starter
credit card for young adults.
Aside from lending promotions, the
management team and staff have been
working diligently to find efficiencies within
our operations. Whether these efficiencies
are a result of new technologies, streamlined processes, staff training or more
advantageous vendor relationships, the
resulting cost savings are funneled back
into new products and services, pricing
strategies and service standards. All this
creates more value for the membership
which is what we’re all about.
One of the greatest operational efficiencies we have enabled in the past few years
has been the imaged statement and electronic delivery of statements. We create an
imaged statement for about 1/10th of the
cost of a mailed, paper statement. To date,
almost 34,000 members have taken advantage of this more secure form of statement
delivery, saving the credit union hundreds
of thousands of dollars. Our goal is to be
delivering most, if not all of our statements
electronically in the next few years. So if you
haven’t made the switch to eStatements yet,
let one of our helpful staff members show
you how easy it is.
We are very pleased with the results
the credit union has attained so far in
2014 and we look forward to more good
things to come during the latter half of the
year. Thank you for supporting the credit
union with your business.
America’s First Federal Credit Union’s participation with any enterprise is not an endorsement of that enterprise,
but an attempt to provide a service to its members and has no responsibility for business transactions between
the enterprise and members of America’s First Federal Credit Union. Rates and services described herein are
periodically changed or deleted. Member savings are federally insured up to $250,000 by the National Credit
Union Administration, an agency of the federal government and additionally insured up to $250,000 by Excess
Share Insurance. Individual Retirement Accounts are federally insured up to an additional $250,000 by the
L Financial or its licensed
/dealers norNational
affiliatesCredit
of LPLUnion Administration and additionally insured up to $250,000 by Excess Share Insurance.
FEDERALLY
INSURED BY NCUA
Summary Financial Statement
May 31, 2014
(unaudited)
Loans
$ 725,236,704
Investments
555,453,867
Other Assets
61,899,485
Total Assets
$1,342,590,056
Deposits
$1,195,486,674
Other Liabilities
9,353,332
Member Equity
Total Liabilities
137,750,050
$1,342,590,056
Summary Income Statement
YTD May 31, 2014
(unaudited)
Operating Income
$
20,720,577
Operating Expenses
13,967,887
Income from
Operations
$
6,752,690
Loan Losses
$
668,848
Dividends & Interest
Net Income
2,572,089
$
3,511,753
Activity Report
YTD May 31, 2014
New Members
6,284
Total Members
126,870
New Checking Accounts
4,360
New Loans
7,467
New Benefit Partners
79
Total Benefit Partners
1,456
Community Events
332
NMLSR #403456
3
AMERICA’S FIRST - Personal Finances
Organizational
Tips
•Touch it once! Deal with it, file it, or shred it.
•Color-code
your files.
•File regularly.
•Reduce unwanted credit card
solicitations
online at:
Optoutprescreen.com
or call:
888-5opt-out (888-567-8688)
Do you know your net worth? Or
how much you spend each month,
and on what? Or how much you can
expect from your pension plan or Social Security in retirement?
A no to most of these questions puts you with
the majority of the population who have been too
busy with life to get a handle on their finances.
Make one request every four months in
rotation among the three credit agencies so
you can monitor your credit report year round.
•Put bills to be paid first at top of stack.
Fortunately, there’s a five-step action
plan to help you take control of your money.
•Mail bills seven to nine days before due date, or pay electronically two to three days before due date.
1. Set up a financial filing system
either manually or online. Create a per-
3. Size up your situation. Add the estimated current value of all assets, including
your home, car, personal property, savings,
investments, and retirement accounts.
Next, add all liabilities, including mortgage, credit card balances, and any other outstanding debt. Then subtract liabilities from
assets to figure net worth.
Then, make a list of income and expenses
by reviewing paycheck stubs, online checking
account information or your checkbook register, and credit card statements from the past
year. Finally, track spending for a month by saving all receipts or recording cash purchases in
a notebook. You also can find a spending plan
or money management software program that
can help organize spending by category.
•Use direct deposit and payroll
deduction.
•Use online banking/
bill pay / ACH
•Deposit checks with Mobile Deposit to reduce trips
and time.
More ATMs
Now Available!
America’s First
debit and ATM
card holders now
have free access
to ATMs in any
Alabama location
of Walgreens™.
4
Five Steps to
Organizing Your Finances
sonalized filing system by labeling accordion
file pockets with broad financial categories.
Then label regular file folders with subcategories that fit your situation and file them into
the accordion pockets. For example, create a
Property & Casualty Insurance accordion file
and fill it with a Vehicle Insurance regular file
folder. There are also many online apps that
will allow you to do all of this electronically.
2. Gather records. Look through your
records to identify missing information. For
example, you need an estimate of your Social
Security retirement benefits. To request one,
visit ssa.gov or call 800-772-1213. Gather
copies of your health, disability, life, homeowners, and vehicle insurance policies, and
get a copy of your credit report.
You can check your credit report - the
summary of your credit activity that generates
your credit score - from each of the three major credit reporting agencies once every 12
months for free. Always make your requests
from the annualcreditreport.com website,
the only site sanctioned by the Federal Trade
Commission. Or, you can call 877-322-8228.
4. Chart a course. Set financial goals long term and short term - and figure how much
money you’ll need for each. Create a target saving and spending plan that meets needs using
your list of income and expenses. For a month
or more, track actual spending to see how
you’re doing, making changes as necessary.
5. Brush up on money management
basics. Contact or visit an America’s First
branch office and ask about available saving
accounts to get the most for your savings.
Copyright 2014 Credit Union National Association, Inc.
AMERICA’S FIRST News
First Class Student Awards
America’s First scholarship winners for the 2013-2014 school year.
America’s First Federal Credit Union is excited to announce
the 2014 First Class Student Scholarship Awards. The recipients
are Laken Patterson of Thorsby High School, Timothy Guice of
Cherokee County High School, and Sydney Estill of Spain Park
High School. The three students each received a $5,000 scholarship to the school of their choice.
The scholarship recipients were chosen from this year’s Student
of the Week winners. Hundreds of students from Central Alabama
who maintain a 3.5 GPA while participating in sports, band, volunteer
projects, and other activities were nominated for the award, and 28
of them were named Student of the Week. Each Student of the Week
winner then wrote an essay to be eligible for the $5,000 scholarships.
This is the 6th year for America’s First to sponsor the program in
partnership with ABC 33/40. Over the past six years, America’s First
has awarded 35 scholarships totaling $59,000. America’s First looks
forward to continuing this program in the fall. Check the ABC 33/40
website at abc3340.com beginning in August for more details.
Scholarship Winners from left to right:
Laken Patterson, Timothy Guice and Sydney Estill
Sign up for eStatements and Get 5!
With paperless statements, you can view your statements online, receive
faster delivery and reduce the risk of mail fraud. Plus, you’ll receive a $5
deposit to your share (savings) account after you sign up!
eStatements save paper and are a fast, safe, and easy way to retrieve your
statement each month. eStatements look exactly the same as your paper statement and are accessed securely through online banking. eStatments save paper
and eliminate waiting for the postal service. To begin receiving eStatements:
- Go to amfirst.org
- Log in to Online Account Manager
- Select the “Statement and Documents” tab
- Select “View Statement” and follow the steps to enroll
- Receive a $5 deposit to your share account*
- Bill Pay is free with eStatements**
We currently offer the option to receive your statement free of charge as an eStatement or paper statement.
However, due to increasing costs to print and mail paper statements, it may become necessary to implement a small
processing fee for paper statements in the future. So we encourage you to sign up for eStatements today to receive
your $5 deposit and begin enjoying all of the benefits of eStatements.
*$5 will be deposited to your share account the month after eStatement registration is complete.
**Bill Pay available to qualifying members only. Certain restrictions apply.
5
Proudly Serving the Birmingham Area
for Over 65 Years
Experience the Hometown Difference
Western 2230 Highland Avenue • Birmingham, AL
Western 3350 Morgan Drive • Vestavia, AL
Western 2717 Culver Road • Mountain Brook, AL
Food Depot 945 Main Street • Gardendale, AL
Food Depot 3592 31 S. Keystone Plaza • Pelham, AL
Food Smart 7309 Crestwood Blvd. • Birmingham, AL
Come Shop with Us!
SPECIAL COUPON OFFER GOOD THROUGH APRIL 30, 2014
PLU: 8869
$ 5.00 off
A Gift from Us to You. . .
A $30 or MORE Order.
Limit 1 offer per coupon, one coupon per customer.
Coupon expires April 30, 2014. Only original coupon offers accepted. Copies of this coupon are void.
AMERICA’S FIRST - Student Loans
A Better Way to Pay for College!
America’s First Federal Credit Union’s Student Choice Private Loan Solution.
Our Credit Union Student Choice private loan solution will help fill funding gaps that federal aid can leave
behind. As the cost of both public and private colleges
and universities continues to increase, federal funding has not kept pace. This growing gap between what
college costs and the financial aid available is causing
many families to resort to higher cost private student
loans to pay for higher education.
Here are some things to keep in mind
before applying for student loans.
Fill out your FAFSA – the Free Application for
Federal Student Aid should always be filled out as early
as possible, but it’s not too late to get yours finished.
Even if you think you won’t qualify, fill out the FAFSA
because most grants and federal loans will require you
to have a completed application on file. In most cases
financial aid is given on a first-come first-served basis.
Applying early means you’ll have the best shot at the
most financial aid possible. For more information visit
www.fafsa.ed.gov.
Apply for scholarships and grants first –
•Membership – Some lenders require membership for
a student to be eligible for certain benefits. As a member of
America’s First Federal Credit Union, you’re eligible for all
the great perks of membership.
Apply for federal loans – After applying for scholar-
•Credit Scores – Expect to have your credit score
checked when applying for a private student loan. Some
students may not have enough credit history to qualify for a
loan and may need a co-borrower.
Look for “free money” first. High school counselors and college financial aid offices are great resources for information
about scholarships and grants.
ships and grants, get your federal student loans (Perkins
and Stafford) which are typically the least expensive and
safest loan option. Federal loans should be considered before applying for any alternate funding.
Evaluate alternative loan options – Most students
will need additional funding, so after you’ve exhausted
federal loan options consider a private loan like our Credit
Union Student Choice Loan. It’s important to compare loan
details to make sure you’re getting the best deal on your
student loan. Some important things to look into include:
•Interest Rates, Fees and Repayment – Interest rates
and fees vary greatly between lenders. Always compare
rates and fees on your loan. Look for a loan with low interest
rates and flexible repayment options like our Credit Union
Student Choice loan.
For more information visit amfirst.studentchoice.org
7
For Summer Fun, visit Googolplex
Find games, money facts and advice for kids, teens and adults
Brought to you by: America’s First Federal Credit Union
Powered by googolplex: https://www.amfirst.org/kids-first-club.html
8
America’s First Federal Credit Union Members
Save Big with the Sprint
Credit Union Member Discount
Tired of paying too much for your cell bill? We don’t blame you. So we’re helping you save with the Sprint Credit
Union Member Discount from Invest in America. As an America’s First member, you can save on your monthly wireless
bills - plus have your activation and upgrade fees waived.
Our members can save:
•10% off*select personal Sprint plans
•15% off*select business Sprint plans
•Waived activation fee on new activations
•Waived upgrade fee
•Available to new and existing Sprint customers
Consider the Sprint Credit Union Member Discount one of the many perks for being a member!
3 Ways to Get Your Discount:
- Call 877.SAVE.4CU (877.728.3428) and let them know you’re a credit union member.
Ask to be a part of the NACUC_ZZM Corporate ID to save
- Click LoveMyCreditUnion.org/Sprint
- Visit your nearest Sprint store
Stop paying too much for your wireless services, start saving with the Sprint Credit Union Member Discount today.
*Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade.
Discount not available on secondary lines for Family and Business Share plans.
All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel.
Don’t Get Hooked by a Phishing Attack
If you have Internet access, you may be under attack
- a phishing attack, that is. This high-tech scam involves
three components:
Spoofing is creating a replica of an existing Web site.
Spamming is unsolicited, or “junk” e-mail.
Phishing is the act of using spoofing and spamming to
lure unsuspecting victims, hoping to deceive you into disclosing your Social Security number, credit card and checking account numbers, passwords, or other sensitive information.
The Federal Trade Commission recommends the following tips to help you avoid getting hooked:
1. If you get a pop-up or e-mail message requesting personal or financial information, don’t reply or click on the link in the
message. Legitimate companies won’t ask for this information.
2. Be cautious about opening attachments or downloading files from email messages.
3. Never send personal information via email. Look for
a closed padlock at the bottom of your browser window, or
a URL that begins with “https” - the “s” stands for secure.
However, some phishers forge these security icons.
4. Review statements for accuracy as you receive
them. If they’re late, call the company to confirm billing
address and balance.
5. Use antivirus software and keep it up-to-date. Run
a firewall, particularly if you have a broadband connection.
Take advantage of free software “patches.”
6. Report suspicious activity to the FTC at www.ftc.
gov, and forward suspicious messages to [email protected].
Copyright 2008 Credit Union National Association Inc.
9
New Statement of Fees and Service Charges
Effective
2014
Statement of
FeesAugust
and 1,Service
Charges
Share Draft Service Charge with
E-Z Checking
E-Z PrimeTime
E-Z Premium
Balances $2,500 or greater
Less than $2,500
Christmas Club Early Withdrawal
$10 per withdrawal after one
No charge
No charge
Premature Share Certificate Withdrawal
90 days dividends per withdrawal
No charge
$7/mo.
Student Checking
No charge
Mailed Image Statements
$6.00
E-Z Debit Plus Account
$8/mo.
Member Service Phone Inquiries
$3 per inquiry for information
that is available through Flash Talk or Easy Link
Account Research
$10 per hour plus $.50 per photocopy
per research request
Priority Research Fee
$25 per hour plus $.50 per photocopy
per research request
Excessive Share Withdrawals
$3 per withdrawal
(Assessed on the 3rd and subsequent
withdrawals in the same calendar month)
Expedited Verification Fee
$25
Excessive Withdrawals - Non-transaction accounts
$10 per draft
(Assessed after third draft per calendar month)
Excessive check, Debit, ACH or other electronicwithdrawal on non-transaction accounts. See
account disclosure for specific limitations
Account History
$3 per copy
Account Statement
$3 per copy
Money Market Minimum Balance Fee
EasyAccess
(Balance less than $2,500)
$12/mo.
ATM Transaction
Fee assessed when ATM/Check card
used at non-AFFCU ATM
$ 1.00 per transaction
Member Check Cashing Charge
Share Account only,
balance $300 or less
$100 or less - free
$100+ - 1% of check,
with $5 minimum
Flash Talk Inquiries
No charge
Rejoin Fee
$10
No charge
Par Value Charge
$2.50/mo.
(Assessed if share account falls below $5
minimum balance requirement)
With services other
than payroll
Non-member Check Cashing Fee $100 or less - free
$100+ - 1% of check,
with $5 minimum
Stop Payment Charge
$30/check/draft
Insufficient Funds
$30/check/draft
Deposit Items Returned
$20/check
Courtesy Pay
$30 per item
Automatic Transfer
$5 per check (shares to checking)
Assessed to cover insufficient
checks. Limited to 6 transfers per month.
Wire Transfer Charge
$15 per incoming transfer
$20 per outgoing transfer
Abandoned Account Fee
$15 per year
Inactive Account Fee
$5 per month
*
Bill Payment
Free with eStatements
Free with E-Z Premium Checking
$4.99 per month
Photocopy each Bill Payment check
Lost ATM/Debit/Credit Card Replacement Fee
$5 per card
Early Share Account Closure Fee - 90 Days
$5
Levy and Garnishment Fee
$50 per occurrence
Expedited Payment from Outside Source
Member pays online,
Posts 1-3 business days
$10
Call Center assist,
Posts 1-3 business days
$12
Call Center assist,
Immediate credit
$20
Visa® Gift Card Fee
$3 per card
Effective 08/01/2014
Fees and service charges are periodically changed or deleted. Additionally, other services
may be subject to fees and/or charges disclosed in their related documentation.
10
$10 per copy
CALENDAR OF EVENTS
Important Notice Regarding
Increased Postage for Checks
Visa® debit cards that earn reward points,
and online Bill Pay (free with eStatements)
which allows you to make most any payment securely via online banking. Additionally, we offer America’s First debit and
ATM card holders free access to ATMs in
any Alabama location of Walgreens™.
Beginning August 1, 2014, the postage charge for a standard box of duplicate checks will be $6.15. This change
is made necessary due to an increase in
postage and will cover the cost of shipping and handling only.
Remember that all America’s First
checking accounts offer free, instant issue
Join us for the
Annual America’s First Charity Open
September 22, 2014
Robert Trent Jones Golf Course
America’s First Employee & Board News
Following the Annual
Membership Meeting on
April 15, 2014, Mr. Barney
Hatten was elected by
the Board of Directors
to serve as Chairman of
the Board for the coming year. Mr. Hatten has served the credit
union since 1999 having been appointed
to the Supervisory Committee from 19992003 and 2009-2012. Mr. Hatten also previously served two terms on the Board of
Directors from 2003-2009.
Mr. Hatten is a graduate of UAB with
a BS degree in Engineering and has been
employed by U. S. Steel for 40 years, serv-
ing currently as Product Technology Director for Diversified Industries.
Also at the 2014 Annual Meeting, Mr.
Joe McCarty and Mr. Tom Cash, having
been nominated to fill the two vacant seats
on the Board of Directors, were re-elected
to three-year terms by general consent.
Your board of directors and supervisory
committee are as follows:
Board of Directors: Chairman, Barney
Hatten; Vice Chairman, Joe McCarty; Treasurer, Tom Cash; Secretary, Randy Freeman; and Fred Brandstadt.
Supervisory Committee: Chairperson,
Cathy Antee; Secretary, Fred Brandstadt;
Lee Strickland; Ross Mitchell.
A retirement party honoring Nancy Maxwell was held in March to
celebrate her 29 years of service at America’s First. Nancy served as
the branch manager at the Oxford branch and before that served
many years as the branch manager of the Anniston Branch, before
retiring on March 31. We wish her a long and happy retirement.
Member Appreciation
Days will be coming
to a branch near you.
Below is our schedule,
so you can visit and
have refreshments on
us from 12- 2.
June 11 - Talladega
June 13 - Trussville
June 20 - Roebuck
June 20 - Leeds
June 27 - Inverness
July 9 - Ensley
July 11 - Downtown
July 16 - Bessemer
July 18 - Cullman
July 23 - Forestdale
July 25 - Gardendale
July 30 - Hueytown
August 1 - Hoover
August 6 - Pelham
August 8 - Lakeshore
August 15 - McCalla
August 22 - Oxford
August 28 - Mobile
CLOSED
July 4, 2014
Independence Day
All America’s First locations
I Love America Day
July 2, 2014 Wald Park in Vestavia
Babypalooza -
July 26, 2014
At the Mobile Civic Center
Babypalooza -
Aug 16, 2014
At the Birmingham/Jefferson
Civic Center
11
ATM Safety Tips
ATMs are a great convenience,
but be careful about safety. You can
avoid becoming a victim by using
some good old common sense and by
planning ahead for ATM withdrawals.
Here are some tips:
1. Always pay close attention to the
ATM and your surroundings. Make
sure there is ample lighting, no overgrown shrubbery, and the ATM is clearly visible from the street.
2. Maintain an awareness of your surroundings. At night, make sure there is
ample lighting. Be wary of people trying
to help you with ATM transactions and
of anyone sitting in a parked car nearby.
When leaving an ATM make sure you
are not being followed. If you are, drive
immediately to a police or fire station or
to a crowded well-lighted business.
3. Do not wear expensive jewelry or
take valuables to the ATM.
4. Give people ahead of you space to
conduct their transactions. When you
use the ATM, make sure no one watches you key in your PIN number. You can
use your body to shield the ATM keypad.
5. Memorize your PIN; never write it
on the back of your card. Do not reenter your PIN if the ATM keeps your
card - contact the financial institution.
6. Do not use an ATM that appears
unusual or offers options that are not
familiar to you.
7. Never count cash at the machine
or in public.
8. If you leave your car to use the ATM,
be sure to lock it. When using a drive-
up ATM, keep your engine running, your
doors locked and leave enough room
to maneuver between your car and the
one ahead of you in the drive-up line.
9. Minimize the amount of time spent
at the machine by having your transaction ready when you arrive at the ATM.
10. Closely monitor your bank statements and your balances. Immediately
report any problems to your credit union.
11. If you are involved in a confrontation with an assailant who demands
your money, comply.
12. Look for irregular devices on ATMs
you use. Crooks may attach an overlay
swipe device, which gleans your information off the magnetic stripe on the
back of your card.
America’s First debit and ATM card holders now have free access to ATMs in any Alabama location of Walgreens™.
40CL-07-2014