Three Tips to Avoid Credit and Debit Card SkimmingA Proactive Approach to Protect Your CardCredit and debit card skimming is a new method used to steal your card information. Once your information is obtained, criminals can make purchases with that card and access your accounts. Often, victims aren’t aware their information has been compromised until they review their monthly statements, a card transaction is declined, or an overdraft notification is received.

Here are three ways to protect your card:

1) Monitor the Machine: Avoid ATMs at gas stations or restaurants, which are not regularly maintained, opting instead for machines at financial institutions. Additionally, if the card reader moves when you insert the card, if the security seal is broken, or if the reader sticks out past the panel, don’t use the machine.

2) Protect Your PIN: Do not give your PIN to anyone and always cover your PIN sequence with your hand at ATMs. Without your PIN, criminals cannot access your checking account. Even if you don’t see anything suspicious at the ATM, use discretion. Tiny recording devices can be strategically placed to record your PIN, so protecting it is a good precautionary method at all ATMs, including those at financial institutions.

3) Scan Your Statements: Besides reviewing your monthly statements, regularly access your account transactions online. If you notice anything unusual, notify the financial institution immediately. The sooner the company is aware of the activity, the sooner the funds can be returned to your account.

Simple awareness of card skimming, as well as the above steps, are effective methods to decrease the likelihood that you’ll become a victim of the crime. If you detect unknown activity on your Integrity FCU account contact us immediately. If you have any other questions about card skimming, give us a call.

Toys for Tots Collection DriveEnds December 18We always enjoy working with the U.S. Marine Corps Reserves Toys for Tots Program!

This year, we again will serve as a collection location for the toys. New, unwrapped toys will be accepted through December 18th.

The Marine Corps Reserves then distributes these toys locally to under-privileged children. We hope you’ll join with us in supporting this worthwhile program.

Our members are always so giving with this project, so we thank you for your generosity.

Member NewsFa l l 2 019

In t e gr i t y f eder a l cr edi t unionTell your st ry

financial

All year long, we invite you to...

Congratulations Jess!We would like to congratulate our Accounting Supervisor, Jessica Mann, who recently earned her APRP (Accredited Payments Risk Professional) certification. APRPs have mastered the complexities of risk management for ACH, check, wire, debit, credit and prepaid cards, and emerging and alternative payments. Congratulations Jess!

Thanks to everyone who came to our 7th Annual Shred Day in July!

We were able to donate over $700 to BACM

(Barberton Area Community Ministries)

Sharing and Caring Squad Integrity FCU Contributes to Local School Supply DriveWe were happy to help “Stuff the Bus,” an annual drive that provides supplies to local schools. Integrity FCU donated items to ensure local classrooms were ready to start the school year. Among these items were pencils, crayons, colored pencils, paper, glue, folders, and other supplies to help students have a successful year.

Watch for our VISA Balance Transfer

offer in January!

Visit our website or follow us on Facebook for all the details!

Integrity Federal Credit Union and Mortgage Center announce Partnership

We’re excited to announce the partnership of Integrity Federal Credit Union and Mortgage Center for your home financing needs. Mortgage Center has been committed to serving credit union members and mortgage borrowers in the Midwest since 1990.

Not only does Mortgage Center offer low rates and fees, they also offer unique mortgage solutions that other lenders cannot, including:

• Government loans such as FHA and VA • Zero down payment loan options • Construction and Home Renovation loans • Cash-out refinances • And many more!

With interest rates at historic lows, now is the perfect time to find out how you can save money. Whether you are purchasing a new home or refinancing your current one, they make the process quick and easy. Call 800.353.4449 to speak with a Mortgage Center expert or visit MortgageCenter.com today to learn more.

Equal Housing Lending NMLS# 282701

Christmas Club Funds will be transferred (to your designated

account - either Savings or Checking)

on November 1st.

Save the Date!

Breakfast with Santa

will be held on

Saturday, Dec. 14th

Follow us on Facebook or make sure you’re on our

email list for all the details!

Mobile DepositFast and Easy.Did you know that you can deposit a check using

your smartphone? Simply download our app, and follow the prompts for Mobile Deposit. You’ll take a picture of your check and funds will be deposited into your account. Need help? Call us!

We’re excited to announce the partnership of Integrity Federal Credit Union and Mortgage Center for your home financing needs. Mortgage Center has been committed to serving credit union members and mortgage borrowers in the Midwest since 1990.

Not only does Mortgage Center offer low rates and fees, they also offer unique mortgage solutions that other lenders cannot, including:

• Government loans such as FHA and VA• Zero down payment loan options• Construction and Home Renovation loans• Cash-out refinances• And many more!

With interest rates at historic lows, now is the perfect time to find out how you can save money. Whether you are purchasing a new home or refinancing your current one, they make the process quick and easy. Call 800.353.4449 to speak with a Mortgage Center expert or visit MortgageCenter.com today to learn more.

Tell your st ry

We want to hear YOUR financial story. Next time you are in the credit union, ask how you can tell your story so that other members are aware of the help they can get at Integrity FCU.

I want to say how much I appreciate Chris. Whenever I come in with a question or a concern, whenever I have a problem with my account, she always goes above and beyond my expectations to help me.

- A Satisf ied Member

Like us on Facebook!@IntegrityFCU

financial

HolidaySkip-A-Pay

is coming soon!

Qualified members will receive their

letters in October.

Columbus Day .......................................... Monday, October 14Veterans Day ......................................... Monday, November 11Thanksgiving Day ..............................Thursday, November 28Christmas Eve .......... (Close at 1pm) Tuesday, December 24Christmas Day ............................... Wednesday, December 25New Year’s Eve ......... (Close at 1pm) Tuesday, December 31New Year’s Day ......................................Wednesday, January 1

Holiday Hours

Like us on Facebook for up to date promotions, specials, and

Friday contests with prizes!

Text Banking Keeps You Updated!We’re excited to announce that we now have Text Banking! With this FREE service, you can send a text and get a response with your account information! To use Text Banking, you need to be enrolled in Home Banking.

Once you’re set up, you can send a command text to 234-200-1920 for specific information. Send a text with a command and get your account information right away. Here are a few of the popular text commands:

MENU...............See all commands

BAL....................Get balances

HIST...................Get transaction history

CARDS..............List credit cards

PAYCC...............Pay credit card

TRAN.................Transfer money between accountsStill have questions? Give us a call and we’ll be happy to answer any of your questions. But please make sure you’re enrolled in Home Banking first!

TEXT ALERTS AND SMS TEXTING: To participate in the text messaging program, you must have an SMS text messaging-enabled mobile phone. You are responsible for standard text rates and/or data usage rates that apply in conjunction with any of the terms and conditions of your agreement(s) with your cell phone carrier.

971 Wooster Road WestBarberton, OH 44203

Phone: 330-825-2455Fax: 330-825-4877

24-Hour Automated Teller: 330-825-2287

HOURS OF OPERATIONLobby

Monday-Thursday: 9:00 am - 5:00 pmFriday: 9:00 am - 6:00 pm

Saturday: 9:00 am - 1:00 pm

Drive ThruMonday-Friday: 8:30 am - 6:00 pm

Saturday: 9:00 am - 1:00 pm

www.integrityfcu.org

Integrity Federal Credit Union serves anyone who lives, works, worships or

attends school in Summit County.

*APR=Annual Percentage Rate. A sample monthly payment for a loan of $1,000 for 12 months at 28.00% APR would be approximately $97.63. A $20 application fee will be assessed. All rates and promotions subject to change without notice.

Whether you’ve been Naughty or Nice,

you’re approved for a No Credit Check Loan!

Direct Deposit or Payroll Deduction to Integrity FCU for at

least six months is all you need to

get this loan!

Borrow up to $1,000

at 28.00% for 12 months

No minimum credit score required!

APR*

This offer is available from October 1 – December 31, 2019