Total Account Protection
We help you stay protected... every minute of every day you’re a member.
Rest assured, your finances are safe with us. We store your money in an impenetrable castle guarded by fire-breathing dragons.
…Okay not really. But we do make every effort to ensure that your credit union accounts stay secure.
Electronic Documents
Receive online statements to help reduce fraud and mail theft.
Identity Theft Resources
See our identity theft FAQs to learn how to reduce your risk.
Smart Alerts
Get instant alerts sent to your email or mobile device.
Federal Deposit Insurance
All deposits are insured to at least $250,000 by the NCUA.
-
Fraud Protection
Fraud Protection
-
Payment Protection
Payment Protection
-
Privacy Protection
Privacy Protection
Loans
-
Fraud Protection
$0 Liability unauthorized use (credit card, transfers, letter checks)
Visa's Zero Liability policy is our guarantee that you won’t be held responsible for fraudulent charges made with your card or account information.2 -
Payment Protection
Stress less with automatic transfers, and never miss a loan payment.
-
Privacy Protection
We offer complete privacy protection of our members. We will not sell member information to third-parties or marketers. Read our privacy statement for details.
Banking1
-
Fraud Protection
$0 liability for unauthorized use (ATM, debit, transfer, bill pay)
-
Payment Protection
Forget checks! With online bill pay, you can pay your bills from your computer or with our app.
-
Privacy Protection
We offer complete privacy protection of our members. We will not sell member information to third-parties or marketers. Read our privacy statement for details.
Safety & Security
Security isn’t something we take lightly. When you bank with UMe, your money is well-protected.
Here's how:
- We deal only with stable and secure products and services. We have not, nor do we intend to enter any type of speculative market.
- We are well capitalized — at about 8% of total assets — which is more than most banks. By National Credit Union Association (NCUA) standards, a credit union is considered well capitalized at 7%.
- Deposits are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is managed by the NCUA, an independent agency of the United States government. Deposits are insured up to the standard maximum share insurance amount, currently $250,000 (with an additional $250,000 for IRAs).
Deposit Insurance
Deposits with UMe are federally insured up to $250,000 through the National Credit Union Administration (NCUA), a U.S. government agency.
What's insured:
- The maximum $250,000 NCUA insurance covers the balances of your combined individual savings account, money market account, certificate of deposit and checking accounts.
- Insurance coverage can be expanded through joint ownership. Combined balances in joint accounts receive separate insurance coverage from individual accounts. Insurance covers up to $250,000 per individual on the account. There is a $250,000 maximum coverage available for any member through joint ownership.
- Individual Retirement Account deposits are insured up to $250,000.
- Trust Accounts provide a maximum of $250,000 for each beneficiary per trustee. These accounts receive separate insurance coverage from other trustee accounts.
- Custodial Accounts are insured separately. A minor’s custodial account can be insured up to $250,000 for the combined balances.
How to maximize your coverage
Members can maximize their deposit insurance coverage using different account combinations. The chart below illustrates how you can maximize your coverage:
TYPE OF ACCOUNT |
NCUA COVERAGE |
---|---|
TYPE OF ACCOUNT Individual accounts |
NCUA COVERAGE $500,000 |
TYPE OF ACCOUNT Joint accounts |
NCUA COVERAGE $250,000 |
TYPE OF ACCOUNT POD accounts |
NCUA COVERAGE $500,000 |
TYPE OF ACCOUNT Total NCUA protection |
NCUA COVERAGE $1,250,000 |
TYPE OF ACCOUNT |
NCUA COVERAGE |
---|---|
TYPE OF ACCOUNT Individual accounts |
NCUA COVERAGE $1,000,000 |
TYPE OF ACCOUNT Joint accounts Husband and Wife |
NCUA COVERAGE $1,000,000 |
TYPE OF ACCOUNT POD accounts |
NCUA COVERAGE $1,000,000 |
TYPE OF ACCOUNT Total NCUA coverage |
NCUA COVERAGE $3,000,000 |
Identity Theft FAQs
Identity theft happens when someone accesses your personal identification (without your permission) to commit fraud or other crimes. Although it’s impossible to completely protect yourself from identity theft, you can take certain precautions to keep your information safe.
Identity theft can take many different forms.
Some of these include:
Digging through your trash (dumpster diving)
Thieves search through trash looking for anything containing your personal information including bills, credit card offers, computer printouts and even old credit cards.
Phone scams (vishing)
Consumers receive unsolicited phone calls asking to confirm personal information like an account number, Social Security number, or other sensitive information. If you share that information with unknown persons, you may find yourself a victim of identity or credit theft.
Skimming
This is a scam where thieves copy information from the magnetic stripe of your credit or debit card. This is used to make phony card, which will access your account balance or credit line.
Phishing
Thieves use email to lure consumers to phony websites that look like a legitimate company websites, such as a bank, credit union or Ebay. These phony sites are used to trick you into giving out your account numbers, passwords and more.
SMiShing
This is basically a phishing attack sent by SMS (text messaging). Thieves attempt to trick mobile-phone users into sending personal information through text messages, or downloading a virus programmed to access your personal information.
Stealing
With sophisticated methods of identity theft on the rise, it’s important to remember that many thieves can still get your information the old-fashioned way: by stealing wallets and purses, your mail, or your checks.
Here are some tips to reduce the risk of becoming a victim of identity theft:
Protect your social security number
Never carry your Social Security card in your wallet. Memorize your Social Security Number and do not give it out unless absolutely necessary. Review your Social Security Earnings and Benefits statement once each year to make sure that no one else is using your Social Security number for employment.
When does someone really need to know my Social Security Number (SSN)? Financial institutions and employers are required to collect your SSN for tax and wage reporting purposes. In addition, if you are applying for a loan, renting an apartment or opening a utilities account, a SSN may also be required.
Some companies may ask for your SSN as a general record keeping procedure. In these instances, it is your decision whether or not to share this information with companies that do not have a legal obligation to collect your SSN. Be aware, however, that some businesses may choose not to provide the service you request without a SSN.
Be cautious with your mail and trash
Remove all mail from your mailbox everyday, and deposit your outgoing bills in a marked post office collection box. Notify your financial institutions in advance of address or phone number changes.
Shred pre-approved credit applications, credit card receipts, bills and other financial information before discarding them. This will help prevent thieves from retrieving sensitive information from your trash. Never leave receipts at ATMs, on counters, or in trashcans. Keep your paperwork. When you no longer need it, destroy it.
To opt out of receiving prescreened offers of credit in the mail, call: 1-888-5-OPT-OUT (1-888-567-8688). Note: You will be asked to provide your Social Security number, which the consumer reporting companies need to match you with your file.
Protect your wallet
Empty your wallet of extra credit cards, IDs, or better yet, cancel the ones you don’t use and maintain a list of the ones you do. Do not rewrite your PINs on cards or on anything in your wallet or purse. Report all lost or stolen credit cards immediately.
Check your credit report annually
Check your credit report once a year. Look for suspicious activity such as unauthorized applications and inquiries, unfamiliar accounts, defaults and delinquencies that you did not cause.
Never give out sensitive information
Do not give personal information over the phone, such as your Social Security number, birth date, mother’s maiden name, credit card number or personal identification number, unless you initiated the phone call.
Use the internet safely
The Internet provides vast resources at your fingertips; everything from shopping and research to news and entertainment. However, identity thieves prey on web users with a variety of scams, schemes and tricks. For a detailed look at Internet fraud and ways to protect you, visit “Internet Safety” located in this resource center.
Anyone can become a victim of identity theft. In some cases, you may not know it is happening for months or even years. The sooner you know, the better. The following are simple signs that you may be a victim of identity theft:
- Transactions that you did not authorize appear on your account statement(s).
- Your checking or savings account appears to be missing funds.
- Monthly statements or bills are no longer delivered to your home.
- You receive credit cards or billing statements for accounts for which you did not apply.
- You receive phone calls from debtors or companies regarding products your never ordered.
- Your credit report contains information for accounts you never opened or approved.
- You are denied credit, despite having a positive credit history.
- You are offered less credit terms like a high interest rate, for no apparent reason.
Credit reporting agencies
When dealing with credit reporting agencies, you have the right to:
- Place a 90-day initial fraud alert on your credit files. You would do this if you think you are, or may become, the victim of identity theft.
- Place a seven-year extended fraud alert on your credit files. You would do this if you know you are a victim of identity theft.
- Get one free copy of your credit report and a summary of your rights from each credit reporting company.
- Ask the credit reporting companies to block fraudulent information from appearing on your credit report.
- Dispute fraudulent or inaccurate information on your credit report with a credit reporting company.
Creditors
When dealing with creditors, debt collectors, and merchants, you have the right to:
- Have a credit report free of fraudulent accounts.
- Get copies of documents related to the theft of your identity (example, applications used to open new accounts or transaction records) if you give the company a valid police report.
- Stop the collection of fraudulent debts.
Liabilities
When trying to limit your loss from identity theft, various laws limit your liability for fraudulent debts caused by identity theft. These include:
- Fraudulent credit card charges: You cannot be held liable for more than $50 for fraudulent purchases made with your credit card, as long as you let the credit card company know within 60 days of when the credit card statement with the fraudulent charges was sent to you.
- Lost or stolen debit card: If your debit card is lost or stolen, you may not be held liable for more than $50 for the misuse of your card, as long as you notify the bank or credit union within two business days after you realize the card is missing. If you do not report the loss of your card promptly, your liability may increase.
- Fraudulent electronic withdrawals: If fraudulent electronic withdrawals are made from your bank or credit union account or debit card has not been lost or stolen, you are not liable, as long as you notify the bank or credit union in writing of the error within 60 days of the date the bank or credit union account statement with the fraudulent withdrawals was sent to you.
- Fraudulent checks: Under most state laws, you are liable for just a limited amount for fraudulent checks issued on your bank or credit union account, as long as you notify the bank or credit union promptly. Contact your state banking or consumer protection agency for more information.
- Fraudulent new accounts: Under most state laws, you are not liable for any debt incurred on fraudulent accounts opened in your name and without your permission. Contact your state attorney general’s office for more information.
If you believe that your card, account number, PIN or any combination of the three has been lost, stolen or compromised, please call the credit union immediately:
US: (888) 241-2510
International: (909) 941-1398
The sooner we know your card is out of your possession, the sooner we can keep you and your account safe! If you need a replacement card, we can issue you one immediately at the credit union.
To contact the fraud departments at the three major credit bureaus:
Trans Union
(800) 680-7289
P.O. Box 740241 Atlanta, GA 30374-0241
www.transunion.com
Equifax
(800) 525-6285
P.O. Box 9532 Allen, TX 75031
www.equifax.com
Experian
(888) 397-3742
P.O. Box 6790 Fullerton, CA 92834-6790
www.experian.com
Inform any one of the above agencies that you are a victim of identity fraud, and request that a “fraud alert” be place in your file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes. Once the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified.
To file an identity theft complaint:
Federal Trade Commission (FTC)
Identity Theft Clearinghouse
600 Pennsylvania Avenue NW, Washington D.C. 20580
(877) IDTHEFT
www.consumer.gov/idtheft
To report stolen checks or fraudulent bank accounts:
Telecheck: (800) 710-9898
Certegy: (800) 437-5120
SCAN: (800) 262-7771
To report Social Security fraud:
Social Security Administration’s Fraud Hotline
P.O. Box 17768, Baltimore, MD 21235
(800) 269-0271
www.ssa.gov
The following are tools and resources that were designed by the Federal Trade Commission (FTC) to help you resolve issues related to identity theft.
ID Theft Affidavit – Download PDF
The ID Theft Affidavit may be required for a variety of purposes, including absolving you of the debt when an identity thief opens a new account in your name, or to obtain application or transaction records from a company the identity thief dealt with.
Sample Letter to Request Fraudulent Transaction or Account Information – Download Word Document
Use this letter to request information from companies the identity thief dealt with. This information can be useful to you to show that the thief, rather than you, made the transaction.
Chart Your Course of Action – Download PDF
This form will help you keep track of the actions needed to take to report identity theft.
Sample Letter to Credit Reporting Company – Download Word Document
Use this sample letter to request that the consumer reporting companies block fraudulent information from appearing on your credit report.
Sample Letter to Company Disputing Charge on Existing Account – Download Word Document
Use this sample letter to dispute transactions on an existing account as a result of identity theft.
Sample Letter to Company Disputing Charge on Fraudulently Opened Account – Download Word Document
Use this sample letter to dispute charges on an account opened in your name by an identity
If you believe that your credit card, debit card, PIN, or any combination of the three has been lost, stolen or compromised, please deactivate your card immediately using the UMe CardNav App or give us a call: (818) 238-2900
or
US: (888) 241 2510 or International: (909) 941-1398
The sooner we know your card is out of your possession, the sooner we can keep you and your account safe! If you need a replacement card, we can issue you one immediately at the credit union.
In addition, if you believe you’ve been a victim of Identity Theft, please follow the steps below:
Step 1
Protect your Social Security number
Contact any of the following three national consumer reporting companies and place a fraud alert on your credit reports.
Trans Union
(800) 680.7289
P.O. Box 740241 Atlanta, GA 30374-0241
www.transunion.com
Equifax
(800) 525.6285
P.O. Box 9532 Allen, TX 75031
www.equifax.com
Experian
(888) 397.3742
P.O. Box 6790 Fullerton, CA 92834-6790
www.experian.com
This can help prevent a thief from opening an account using your Social Security number or other information.
Step 2
Close your financial accounts
Credit cards, checking accounts and savings accounts should be closed. Open new accounts with passwords. Avoid passwords or personal identification numbers (PINs) that contain your birth date, mother’s maiden name, and any part of your Social Security number or your phone number.
Step 3
File a police report
If a crime was committed (i.e. your purse or wallet stolen, house was burglarized, or car was broken into), contact your local law enforcement and file a police report immediately.
Step 4
File a Complaint with the Federal Trade Commission (FTC)
The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint helps law enforcement authorities learn more about identity theft and the problems victims are having so they can better assist you. You can contact the FTC Identity Theft Hotline through the following methods:
Phone: (877) 438-4338
Mail:
Identity Theft Clearinghouse Federal Trade Commission
600 Pennsylvania Ave., NW Washington D.C. 20580
Step 5
Protect your driver’s license or identification card
Contact the agency that issued your drivers license (or government issued ID) and follow their procedure for canceling and getting a replacement card. Ask the agency to flag your file so no one else can get a license or ID using your name.
Step 6
To report stolen checks or fraudulent bank accounts
Telecheck: (800) 710-9898
Certegy: (800) 437-5120
SCAN: (800) 262-7771
Step 7
To report Social Security fraud
Social Security Administration’s Fraud Hotline
(800) 269-0271
P.O. Box 17768, Baltimore, MD 21235
www.ssa.gov
Additional resources to keep your finances secure
UMeHelps Toy Drive for Local Families in Need
Continue reading
Why the UMe Visa® Credit Card is Your Go-To for Holiday Rewards
Continue reading
Holiday in the Park is back! We Hope to see U there!
Continue reading
Contact our security team
If you need to report an online security problem, believe you are a victim of identity theft or fraud, need to report a lost or stolen card, or have received a fraudulent email that appears to use UMe’s logo, please contact us right away.
Disclosures
1UMe will cover any loss that results from the unauthorized use of our banking or lending services. To help us mitigate loss to the credit union, please review all Smart Alerts and account statements. If you notice unauthorized activity, please report it immediately to (818) 238-2900.
2Covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify your financial institution immediately of any unauthorized use. Transaction must be posted to your account before provisional credit may be issued. For specific restrictions, limitations and other details, please consult your issuer.