Monitor Your Accounts for Unusual Activity
You may hear in the news periodically
that a company has been the victim of hackers who have
gained access to the debit and credit card information of
their recent customers. Unfortunately, these types of
situations are out of our control as a financial
However, we can help you in the
event that your debit or credit card information is ever
compromised. We encourage you to regularly monitor your
accounts for unusual activity and to review your statement
in its entirety promptly when you receive it.
If you ever notice any fraudulent
charges on your ISPFCU accounts please call us at
800-255-0886 so that we can help.
McMillen Memorial Run/Walk
Join ISPFCU staff as we participate in
the 6th Annual Brian McMillen Memorial Run/Walk. The
event will be held at Lincoln Land Community College in
Springfield, IL on May 25th beginning at 8:00 a.m.
Proceeds from this event will go to benefit the Brian
McMillen Scholarship fund.
Brian McMillen became an Illinois State
Police Officer in February of 2007. He served in the
Air National Guard and was a member of the Fraternal Order
of Police and of Troopers Lodge 41. On October 28,
2007, Brian was killed in the line of duty.
If you are interested in being a part
of this event please visit the LLCC Veteran’s Club website
for more information.
ISPFCU Annual Meeting
Mark your calendars and plan to attend
the ISPFCU Annual Meeting on Friday, June 28, 2013.
The meeting will be held at the Northfield Inn and Suites
Conference Center located at 3280 Northfield Drive in
The Annual Meeting is an occasion for
management and elected officials to report to you, the
member, about important issues such as our financial
position, products and services, current business issues,
accomplishments of the year 2012, and future plans and
goals. The meeting will begin at 10:30 a.m. and
conclude with lunch immediately following. This event
is free and open to all members. Members planning to
join us for lunch must make reservations prior to Friday,
June 21, 2013.
Call us at 800-255-0886 and reserve your
spot for the Annual Meeting today!
ISPFCU Golf Outing
Join fellow credit union members and
friends for a round of golf at the annual ISPFCU Golf
Outing. The outing will take place on Friday, June 14, 2013
at Lake Shore Golf Course in Taylorville, Illinois. The
four-person scramble will begin with a shotgun start at noon
and conclude with dinner around 5:00 p.m.
There are four divisions: Men, Women,
Mixed, and Senior. At least two members of each team must be
current members of ISPFCU or eligible potential members of
ISPFCU. All four players on a team entering the Senior
division must be 60 years of age or older by the date of the
The cost for the outing is only
$50.00/player which covers golf with cart, dinner, and
prizes. Registration forms can be picked up at the credit
union, mailed to your home address, or downloaded
here. All registrations must be returned to the credit
union no later than the close of business on Thursday, June
Call ISPFCU at 800-255-0886 for more
information and to make your reservations today!
Credit Card Surcharge Notice
Effective January 27, 2013, Visa and
MasterCard will allow merchants to pass along their payment
processing costs to consumers who pay with a credit card.
This would mean that a merchant who chooses to exercise this
new right could impose a surcharge, sometimes referred to as
a “checkout fee,” that could increase your credit card
purchase amount by as much as 4.0% (maximum allowed). Under
- The surcharge cannot exceed the amount that the
merchant actually pays to accept credit cards – normally
between 1.5% and 3.0% of the transaction amount.
- Surcharges can be imposed on credit card
transactions only, not on purchases made with debit
cards or prepaid cards. Surcharges cannot be imposed on
debit card or prepaid card transactions that are run as
- Merchants must disclose the credit card surcharge
clearly – at the store entrance and the point of sale or
on the homepage if the merchant does business on the
- The disclosure must include the amount of the
surcharge, the fact that the fee is being charged by the
merchant, and that the fee does not exceed the
merchant’s cost to accept credit cards.
- The dollar amount of the surcharge must appear on
the transaction receipt.
Merchants are not allowed to impose a credit card
surcharge in California, Colorado, Connecticut, Florida,
Kansas, Maine, Massachusetts, New York, Oklahoma, or Texas,
where such fees are prohibited under state law. For more
Enforcement Torch Run Polar Plunge
ISPFCU Staff participated in the Law
Enforcement Torch Run Polar Plunge at Lake Springfield on
February 23, 2013. The Law Enforcement Torch Run Polar Plunge is
a unique opportunity to support Special Olympics athletes.
Participants in the Polar Plunge raise
donations in exchange for jumping into the icy waters of an
Illinois lake in the middle of winter. Over $63,000 was
collected from all of the teams in this plunge to benefit
Illinois Special Olympics athletes!
ISPFCU wants to thank everyone that supported and donated to the
Law Enforcement Torch Run Polar Plunge. You can still support
this great cause by visiting our
team page to donate.
Referral Rewards – Spread the Word, Earn Cash
Do you know someone who could benefit from
belonging to ISPFCU? Could you also use some extra cash? If the
answer to both of these questions is yes than you need to check
out ISPFCU’s Referral Rewards Program!
For every new member you refer that joins
ISPFCU we will pay you $10.00! The new member could be a friend
or co-worker that is eligible to join ISPFCU through their own
law enforcement employment or by being a member of your
immediate family. This would include spouses, children, parents,
and siblings just to name a few. You can also earn $25.00 for
referring a member to open a new closed-end loan or to refinance
an existing closed-end loan from another financial institution
with a balance of at least $5,000! To earn the referral reward,
the person you refer needs to turn in a referral card with your
name on it.
Call us at 800-255-0886 to find out more
about our Referral Rewards Program and to request your very own
referral rewards cards today! Do yourself and your friends and
family members a favor and direct them to ISPFCU.
ISPFCU Accounts with Home Branch Online
If you are not familiar with ISPFCU’s Home Branch Online (HBO)
then now is the time to take advantage of this great service
that comes free with your ISPFCU membership. HBO is a convenient
way to access your accounts in the comfort of your own home or
wherever you have access to a computer. With HBO you can manage
your finances at your convenience 24 hours a day, seven days a
week. HBO allows you to make balance inquires, view images of
cleared checks, transfer funds between accounts, make loan
payments, and much more.
HBO is also your online portal to other great ISPFCU services
including E-Pay, our free online bill payment service, VISA
Access Online, a site where you can view recent and pending
transactions on your ISPFCU VISA Platinum Credit Card, and
E-Statements, a site where you can view your current and
previous ISPFCU monthly statements. You also can take advantage
of ISPFCU’s Account Alerts within Home Branch Online. Account
Alerts allow you to setup important account reminders such as
when your next loan payment is due or when your checking account
balance falls below a certain dollar amount. These alerts can be
received by email, text message, or both.
If you would like to get signed up for Home Branch Online or if
you are already signed up and have questions about one of the
other services mentioned within Home Branch Online please call
us at 800-255-0886.
ID Theft Alert - Be Aware of Text Message
Identity thieves are now targeting cell phone users with a scam
called smishing. In smishing scams, cell phone users receive a
text message that seems to come from a legitimate source, such
as a financial institution. The message seeks to convince users
into clicking on a link via the phones Internet connection or
into calling a certain phone number. Both the link and the phone
number are fraudulent and lead to a request for personal
information that can be used for identity theft. Once your
identity has been stolen, it generally takes much time and
effort to regain your lost funds and your good name.
Take a few simple precautions to protect yourself from this
growing form of fraud. First, never respond to unsolicited
requests for personal financial information received via text
message, even if the request appears to come from a legitimate
institution that you do business with. Second, always be sure of
who you are dealing with. Don’t click on links in text messages
or call numbers listed in text messages. Verify contact
information independently and key in web addresses yourself.
Lastly, monitor your credit report regularly for signs of
Remember, ISPFCU will never contact you via text message,
e-mail, phone, or any other way to ask for account numbers or
passwords. If you suspect you have been a victim of identity
theft, contact ISPFCU at 800-255-0886 immediately.
Protect Your Vehicle with an Extended Auto Warranty
Your vehicle is one of your biggest
investments. By purchasing an ISPFCU Route 66 Extended Auto
Warranty you will enjoy peace of mind that no matter where you
travel in the United States, you are protected against major
mechanical expenses. You will also enjoy:
- No deductible on covered parts and
- Free emergency roadside service
- Car rental reimbursement
- Plans can be transferred if you
sell your car
The warranties may be applied to any
auto whether they are paid off, financed at ISPFCU, or financed
by another financial institution. There are a variety of options
to choose from so you are sure to find one that meets your needs
and your budget. And if you act now, we will take $250.00 off
the purchase price of the warranty of your choice!
Call us at 800-255-0886 to learn more
and to get your vehicle protected today!
Winners of Quarterly Drawings
In the recent Future CrimeFighter quarterly drawing, Jenna from
Auburn and Lauren from Decatur were drawn as the winners. Each won
a $25.00 deposit to their Future CrimeFighter Account. Congratulations!
To be eligible to win, Future CrimeFighter account holders had to
make at least one deposit into their Future CrimeFighter account
in the previous quarter.
In the recent Student Checking quarterly drawing, Steve from Oak
and Lauren from South Wilmington were drawn as the winners. Each won a $25.00
iTunes gift card. Congratulations! To be eligible to win, Student
Checking account holders had to make at least one debit transaction
in each month of the previous quarter.
To be eligible to open a Future CrimeFighter Savings Account you
must be no older than 18. To be eligible to open a Student Checking
Account you must be between the ages of 16 and 22. If you are interested
in opening a Future CrimeFighter Savings Account, a Student Checking
Account, or both, please contact ISPFCU at 800-255-0886 or sign
up online by clicking
Notify Us Before You Travel
To avoid any inconvenience while you are vacationing
or away on business, be sure you notify us when you will be traveling.
As a fraud prevention measure, your debit and credit cards are monitored
for unusual activity. If transactions begin to come through on your
cards that are out of the ordinary, your cards may be blocked for further
use. However, if you notify us in advance we can help prevent this from
Simply call us at 800-255-0886 and let us know where
you will be traveling and the dates you will be gone. If you have any
questions in regards to this procedure please contact us for more information.
ISPFCU Club Benefits for Three Months...Free!
ISPFCU would like to offer
our members the opportunity to try out our Club Benefits at no cost
to them. We are so confident that you will find them valuable
that we will let you try them out for three months absolutely free.
If after the three months has passed you decide you would like to cancel,
simply notify us and we will remove you with no questions asked.
If, however, you decide to stay enrolled in Club Benefits you will be
charged the regular monthly fee of $5.00/month.
Benefits include a $10,000
Accidental Death & Dismemberment Insurance, a $5,000 Identity Fraud
Expense Reimbursement Coverage, and a $100,000 Common Carrier Accidental
Death Insurance. Additional benefits include a Buyer’s Protection
plan that covers items 90 days from the date of purchase against accidental
breakage, fire, loss, or theft and an Extended Warranty plan that extends
the U.S. manufacturer’s original written warranty up to one full year
on most new retail purchases if the warranty is less than five years.
Yet another benefit is an
Entertainment Savers Guide that lists thousands of hotels and restaurants
where you can obtain discounts by showing your Savers Guide Membership
Card. The directory also contains discounts to movie theatres
and money-saving coupons from top national merchants. Also within
the Club Benefits is a Cash Back Member Rewards Program where you can
earn up to $40.00 a year just by turning in receipts totaling at least
$100.00 each quarter. By participating in the Cash Back Member
Rewards Program the benefits almost pay for themselves!
To view a complete listing of all the benefits
available please select the following links. The
ISPFCU Club is available for members with an ISPFCU Checking Account
Heritage Club is available for members with a Heritage Checking
Contact us at 800-255-0886
to get your access code for the Club Benefits website and to add the
perfect complement to your ISPFCU Checking Account today!