Take a look at these great articles about consumer finance topics and FAQs about the credit union and our products and services.
We are constantly looking to build the information we have on our site to make it even more valuable to our members. If you have any further questions please do not hesitate to email us at firstname.lastname@example.org.
How do I get my monthly Statement electronically?
- An eStatement is an electronic version of your monthly or quarterly statement. Signing up for eStatement replaces mailed paper statements.
- To use eStatement, you will need a computer with Internet access and the Adobe Reader program installed. You can download Abobe Reader for free here.
- Your eStatement password is not the same as your ETeller password.
How do I access my eStatement?
You can access eStatement by either clicking the link provided in your eStatement email alert or selecting eStatement from the Access Anywhere section from our Home Page.
How do I sign up for eStatement?
To sign up for eStatement, click here. Complete the required information and submit your enrollment request. You will receive an email confirming that your enrollment form has been received. The signup process should be completed in one business day.
Note: You are responsible for providing current and valid email address information. The email address you provide must be kept current in order to receive eStatement email alerts.
How much does the eStatement service cost?
There is no charge for the Coulee Dam Credit Union estatement service.
How do I change my password?
Contact Coulee Dam Credit Union to change your eStatement password.
Eight ways to minimize the risk of having your identity stolen
Indentify theft occurs when someone co-opts your personal information for their own personal gain, using your name, social security number, credit card, and other information to commit theft or fraud.
Indentity theft occurs when someone co-opts your name for their own personal gain, using your name, social security number, credit card, and other information to commit theft or fraud. With your personal information the identity thief could (1) open a credit card account in your name and run up charges, (2) establish a cellular phone account in your name, or (3) they could open a checking account in your name, writing fraudulent checks on the account.
Safeguarding your personal information is paramount to minimizing the risk of having your identity stolen. We have put together several important tips to consider:
1. Shred documents containing personal or financial information, such as statements or receipts, unless you need them for your records. Keep records in a secure location. Destroy credit card offers you receive in the mail before discarding them.
2. Do not give out information to unknown sources over the phone or through the mail unless you initiated the call. Keep in mind that identity thieves often pose as bank, credit union, or credit card company officials.
3. Internet Security. When giving personal information over the internet, be sure the site is secure by checking for the security notification from your internet service provider. If you receive an e-mail request that appears to be from your Internet Service Provider (ISP) stating that your "account information needs to be updated" or that "the credit card you signed up with is invalid or expired and the information needs to be reentered to keep your account active," do not respond without checking with your ISP first.
4. Watch your mail and clear it as soon as possible after the mail has been delivered. Thieves frequently steal from mailboxes to obtain credit cards, loan offers, and financial statements. Review statements and bills for accuracy, and act quickly if a bill or statement doesn't arrive on time.
5. Watch your belongings. Identity thieves will often steal wallets or purses to obtain personal information. Carry only the minimum identifying information and credit cards with you, and keep all others in a safe location. Never leave your purse or wallet in your car; parking lots are a favorite among thieves.
6. Guard your Social Security Number. Do not carry your Social Security card with you, instead keep it at home in a safe location. You should never use your Social Security Number (SSN) as an account number or identification number. And, be sure to give out your SSN only when absolutely necessary.
7. Protect you passwords. Try to memorize your passwords if you can, but if you must write them down, be sure to store them in a secure location. Carefully protect your personal identification number (PIN) when using a cash machine and shred your receipts. Try not to use the same personal identification number (PIN) or password for everything. And, be sure not to use a password that would be easy to guess.
8. Review your credit reports. At least once a year, check to see if there has been any unauthorized activity in your name. If so, report any incorrect information to them immediately. Obtain copies of your credit report from the three major credit reporting agencies. The three major bureaus are:
The Federal Trade Commission has lots of valuable information about how to protect yourself against identity theft as well as what to do if you are the victim of identity theft.
What do I do if my credit card is lost or stolen?
Only you can prevent unauthorized use of your Debit or Credit Card
If any of your Credit Union issued transaction cards are Lost or Stolen, immediately call:
This includes your Visa Credit Card, Double Eagle Check Card and your ATM (MAT) Card.
Most fraudulent transactions take place within the first 48 hours, so it is very important to notify us as soon as you discover that your card has been lost or stolen.
What is a premier member?
Any member may qualify for Premier Membership if they have one Credit Union product or service in each of the three (3) following areas:
- Premier checking (S8)
- Econo-checking (S7)
2. Deposit Account with $500 aggregate balance
- Regular Share Account
- Available Asset Account
- Certificate of Deposit
- Christmas Club
3. An Active VISA credit card or loan
PREMIER MEMBERSHIP DISCOUNTS:
1. Loan discount, 25 basis point reduction in all loans with terms of 72 months or less. Loan discount does not apply to the following loans: real estate, deposit secured, or any credit card account, unless included in special promotions.
2. Discount of 10% on all safe deposit boxes.
3. Discount of .15 cents on Money Orders
4. No service charge on checking accounts
5. Free stop payment
6. Free check cashing
What are share accounts?
Share accounts are credit union savings accounts. Since you become part owner of the credit union as a member, you buy "shares" in the organization.
What dividend will I receive on my shares?
The dividend rate may fluctuate since the Credit Union's net earnings for the period determine the rate which can be paid.
What is a Sharedraft Account?
A sharedraft account is a checking account.