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Close out Internet Explorer and then re-open it.

If you continue to experience problems, please contact us at (586) 276-3000. We apologize for any inconvenience this may have caused you.

The device can be difficult to spot. It usually fits snug over the front of the ATM, appearing as though it is part of the machine. In some cases, a small camera or other device has been placed over the ATM key-pad to get a pin number.

Members should monitor their accounts on a regular basis for any unauthorized activity and contact Extra Credit Union at (586) 276-3000 should they see anything suspicious.

Job seekerstypically college students looking for summer workare told they will provide mail forwarding services for expatriates, international travelers, and seasonal workers around the world. They are asked to perform simple tasks:

1. Receive mail at home.
2. Scan the front of each envelope received.
3. E-mail scanned images to the company.
4. Ship accumulated mail biweekly, using prepaid UPS or FedEx postage labels provided via e-mail.

After two weeks on the job, assistants get an e-mail promising an $800 paycheck, plus an extra $200 bonus. But to test their "integrity," theyre told theyll get a check for $2,800and must mail a check back to return the extra money.

The $2,800 check may look legitimate butbig surpriseits bogus. So instead of getting paid, the college student now has to pay the bank the full amount. Worse, the scammer now has access to the students checking account. And the student is committing a criminal violation by scanning victims mail.

The Postal Inspection Service is working to quickly shut down this scheme by attacking the problem from several angles. If you have information on this or similar scams report it online at https://postalinspectors.uspis.gov/ or call 1-877-876-2455, option 3.

Article provided by U.S. Postal Inspection Service.

Using the most up-to-date software and security tools will protect your system from the malware. You are most likely safe if you are using a legal copy of Microsoft Windows, but if you have loaded an illegal copy without the proper anti-virus software, you are the ideal target for these types of viruses.

It is estimated that about 10 million PCs have been hit with the worm, but their users are unaware. Running freeware antivirus software will not protect your computer against this type of self propagating virus. Owners who have PCs infected with Conflicker will not be aware until April 1.

It is estimated that the worm will most likely send out mass amounts of e-mails containing spam or additional malware. If you have updated the necessary patches on your computer released by Microsoft on October 23, 2008, you should be safe from the vulnerability.

Experts suggest that you scan your PCs for viruses prior to the release of the worm. It is also important that you run a scan every so often to search for worms or other viruses in an effort to keep your computer running efficiently.

If you have any additional questions or concerns about Conflicker, or any other virus, please contact your software company.

In recent weeks, news of a fake Dearborn-based credit union has surfaced. The web site was promising that their mortgage specialists were there to help you buy a home, refinance a mortgage, or consolidate debt. The only problemthere was no credit union! Consumers contacted state regulators to report the activity, and a cease-and-desist order was issued. The web site has since been shut down.

Scam artists are stealing consumer identities by getting Social Security numbers through fraudulent applications, then using your bank account information to access funds, meanwhile opening up credit cards in your name. A common scam being conducted widely is to contact you pretending to be your financial institution and request that you verify your personal information.

Remember that Extra Credit Union will NEVER e-mail or call you seeking account numbers or passwords. Your financial institution already has your information on file and will only ask for it to verify your identity when you initiate a call or e-mail us. If you receive an e-mail asking you to visit a special web site to enter personal information, we urge you not to respond.

Feel free to contact us at (586)276-3000 for any questions.

Borrowers will have the opportunity to ask a group of twenty merchants about any questions they might have about their mortgages. This is a great time to get all your questions answered, especially if you are facing foreclosure.

Please check back later for more information on locations and times.

Protect yourself!

• Monitor your credit report
• Protect your personal information
• Watch out for scams
  

• Stolen wallets and credit cards
• Mail theft
• Dumpster diving (Retrieving un-shredded information from a trash can)
• Information stolen by friends or relatives
• Phishing and Vishing

By staying aware and alert you can help protect yourself from becoming a victim of identity theft.

Please remember that Extra Credit Union will NEVER e-mail, text or call you seeking account numbers or passwords. Your financial institution already has your information on file and will only ask for it to verify your identity when you initiate a call or e-mail us. If you receive an e-mail asking you to visit a special Web site to enter personal information, we urge you not to respond.

Extra Credit Union employees are aware of these scams and strongly urge you to be aware of who and what is going on around you. If you receive a text message you are unsure about asking you to provide personal information, the smartest thing to do is to not
respond. Please be aware that these are scams, and remember that Extra Credit Union will NEVER text you seeking account numbers or passwords.

For more questions call (586) 276- 3000 to speak to a Call Center Representative.

The message indicates the members card has been deactivated. In order to activate the card, the message asks the member to call the provided Card Activation Line phone number and enter their 16-digit card number, expiration date and PIN.

To view a sample of this fraudulent email click here.

Please remember that Extra Credit Union will NEVER e-mail or call you seeking account numbers or passwords. Your financial institution already has your information on file and will only ask for it to verify your identity when you initiate a call or e-mail us. If you receive an e-mail asking you to visit a special Web site to enter personal information, we urge you not to respond.

Feel free to contact us at (586) 276-3000 for any questions.

This may be why more than 2 million people join credit unions each year! If youre interested in learning more about how credit unions work, visit lovemycreditunion.org. Here you can find articles, videos and true testimonials on how credit unions operate!

The Federal Trade Commission has issued a warning to all consumers to be wary of emails that look like they come from institutions that were recently acquired or taken over.

Click here to read the article.

Questions or Concerns?  Call (586)276-3000 to speak to a Credit Union Representative.

• Deposit accounts at Extra Credit Union are federally insured by a fund that, like the FDIC, is backed by the full faith and credit of the U.S. government.
• As the FDIC does for banks, the National Credit Union Share Insurance Fund (NCUSIF) insures a person's savings up to at least $250,000*. There is also separate insurance coverage of up to $250,000 for individual retirement accounts.
• The NCUA Insurance Call Center, operating from 8 a.m. to 6:30 p.m. (EDT) Monday through Friday, has insurance experts available to answer questions about the coverage provided by NCUA share insurance. The toll-free Insurance Call Center number is 1-800-755-1030, extension 1.
• To better understand how your shares are covered, click here to use the NCUA Share insurance estimator. This tool can estimate your coverage based on the types of accounts you have at Extra Credit Union.

*On October 3, the Economic Stabilization bill was signed by the President. This bill temporarily increased the federal share insurance coverage from $100,000 to $250,000 per deposit account. This increase remains in effect until December 31, 2009.

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