FoxFacts Newsletter September 2022 uChoose Rewards credit card points & our Mobile Banking app You can now view your uChoose Rewards points using our Mobile Banking app. ®
1. 2. 3.
Choose ‘Services’ from the Menu, then select ‘uChoose Rewards’ Select ‘Register’ for registering your card online Once registered, you will see your points total and you can turn your points into the items that you choose! If you’re not currently enrolled as an Online Banking user or need to download our Mobile Banking app, visit foxcu.org/online-banking. View bonus points offers from merchants once you’ve enrolled! You’ll pile up points even faster by participating in these special offers - Right now there is a travel rewards offer, check it out at foxcu.org-visa-credit-card.
* Reward points earned on qualifying net purchases (purchases minus returns and/or other related credits). Reward points are not earned on cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind on your card account. For additional details, terms and conditions visit uchooserewards.com. uChoose® Rewards is a registered trademark of Fiserv Inc. Participating retailers subject to change. All other brand, product(s) and service names and logos are marks and/or trademarks of their respective owners. ** Card must be registered to redeem points. Bonus point incentive only valid on travel purchases between the dates of August 1 to September 17, 2022. Restrictions may apply.
Rolling in a low-risk way to get your money working for you
2.50%
APY
13 months
$5,000 minimum deposit
2.20%
APY
22 months
Learn N Earn: Your chance to win $500 while upping your financial game Our quarterly Learn N Earn giveaway continues in September, with one lucky Fox member winning $500 for attending a BALANCE webinar. Members who tune in for the July, August, or September webinars are automatically entered and a winner will be chosen in October. Contact Fox for official rules. Good luck and have fun learning! Our educational topic for September is Personal Finance for College Students. Attendees will learn how to use their credit wisely, tools to develop a positive credit history and score, create and manage their own budget, ways to track spending, and options for student loan repayment. The webinar dates are: • September 13 | 12:30pm - 1:30pm • September 22 | 7:30pm - 8:30pm Registration is required: foxcu.org/calendar.
LEARN EARN
$5,000 minimum deposit
While not part of the Learn N Earn, we also offer a WHBY radio show on this same topic, September 12 from 11:00am to Noon. Learn more at foxcu.org/sharecertificate22. *APY = Annual Percentage Yield and special may end at any time, without prior notice. $5,000 minimum deposit. New money required unless current Fox Communities Credit Union (Fox) member with an active checking (4 transactions per month) at Fox. Membership eligibility required. Dividends accrue daily. Early withdrawal penalties apply. Visit foxcu.org/sharecertificate22 for more details.
Federally Insured by NCUA.
The presentation is brought to you by BALANCE Financial Fitness and is intended for educational purposes only and does not replace independent professional advice. Statements and opinions are those of the presenter individually and not necessarily the opinion or position of Fox Communities Credit Union (Fox). Fox is not an affiliate of BALANCE Financial Fitness.
Federally Insured by NCUA.
Bike to the Beat Wrap Up Bike to the Beat 2022 has come and gone – and what a time it was! We were fortunate to have over 2,800 riders join us on August 6, raising $66,605.66 for the Fox Cares Foundation and its mission to end homelessness, fight hunger, and provide access to the arts. We want to thank everyone who came out to ride or volunteer. We can’t wait to see all of you next year! Until then, check out footage from this year’s event at biketothebeat.com.
Fraud Alert: Scammers pretending to be Fox Recently, our members have contacted us to report smishing (fraudulent text messages), phishing (fraudulent emails), and vishing (fraudulent phone calls) attacks pretending to be official Fox communications. For more information and tips on how to protect yourself and your finances, visit foxcu.org/scam-alert/.
Fox Answers: How to use our mobile check deposit Did you know you can deposit checks into your Fox accounts without having to come to one of our branches? All you need to do is follow these steps:
Fox auto expert on doing your due diligence when shopping for - or selling - a used car
1.
There is a lot of due diligence that goes into both selling and buying a used car, and I recently had an interaction with both sides while helping a Fox member buy a used car from a non-member. It all started while I was getting certain information from the non-member to complete the sale – a list that includes the seller’s name as it appears on the title and either their social security number, date of birth, or driver’s license number. Understandably, the seller was hesitant to give out that information without first ensuring this wasn’t some kind of scam. So, the seller called me to make sure both the member and I were legitimate. To alleviate any sort of worry, I suggested the seller find our main Fox number online to call and ask for me, but it turns out they already did that. In other words, this seller knew exactly what they needed to do to protect themselves and complete their due diligence. And since the member was working with me, all due diligence was taken care of.
3.
2.
So, the moral of this story is that no matter how trustworthy and legitimate a buyer or seller may seem, always double check. And never hesitate to reach out to me if you need any help. You can find more information about what I do at foxcu.org/auto-buying-service/ or you can contact me using the phone number or email address below. Mike Pastorelli, Fox’s Auto Buying Specialist 920-993-3508 mpastorelli@foxcu.org
Eighth Cooperative Principle: Diversity, equity, and inclusion It’s time to talk about the eighth and final of our cooperative principles. The principle of diversity, equity and inclusion also happens to be the newest. Adopted by CUNA (Credit Union National Association) in 2019, this principle is central to who we are as a credit union. These words are often thrown around, but let’s break down what they actually mean. Diversity is the presence of differences in people (gender, religion, age, ethnicity, socioeconomic status, etc.). Equity is fairness and justice among these groups in regard to procedures and processes. Inclusion means that individuals who are diverse actually feel welcomed. These aren’t just ideals we want to uphold, we want to be champions of them. We want to do our best to make sure that anyone who walks through our doors feels welcomed and is afforded the same opportunity as everyone else. Further, we hope to reach out to those who may currently be underserved or feeling excluded and let them know that they do have a place at our credit union. Fox is for everyone.
Visit Us: foxcu.org/locations
Find Us: instagram.com/foxccu/
Call Us: 920-993-9000
4.
Open the Fox Mobile Banking app on your smartphone or tablet Sign in with your username and password Tap ‘Deposit A Check’ from the home screen Follow on-screen instructions
Don’t forget to endorse your check ‘For Mobile Check Deposit at FCCU’ followed by your signature. *Subject to Fox Communities Credit Union’s daily deposit limits. Checks submitted after 3:00 PM Monday – Friday, may not be deposited until the following business day. Checks may be placed on hold. Be aware, while the Fox mobile banking app is completely free to download, your mobile carrier may assess web access charges.
Federally Insured by NCUA.
How to get your annual credit report At Fox, you’re more than just your credit score, but that doesn’t mean you shouldn’t keep an eye on your credit reports. Thankfully, doing just that is easier than you may think. You can go to annualcreditreport.com to get free reports, and please don’t hesitate to reach out to our friendly Fox team if you have any questions or run into any problems. Speaking of that, we also offer free financial counseling services at foxcu.org/balance-financial-fitness-program if you want to boost your financial fitness.
How to protect yourself from QR code scams As QR codes become more prevalent throughout all aspects of our society, scammers and identity thieves are working overtime to take advantage of them and use them to get their hands on your finances. But you can protect yourself by following the tips found at foxcu.org/qr-code-fraud/.