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News & Information

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Overdraft Changes for Debit Card and ATM Usage Require your Attention

At Acclaim Federal Credit Union, we strive to provide our members with products and services that ensure your financial success.  That’s why we want to inform you of an important upcoming change that could impact your checking account.

Beginning August 15, 2010, in accordance with federal regulations imposed on all financial institutions, Acclaim Federal Credit Union will no longer be allowed to consider authorizing and paying everyday or one-time debit card transactions (such as gas, grocery and other debit card purchases) and ATM withdrawals that overdraw your account – unless you have instructed us to do so. 1

What happens if you do not instruct Acclaim Federal Credit Union to continue to consider authorizing and paying everyday debit card transactions and ATM withdrawals that overdraw your account?  Beginning August 15, 2010, any everyday debit card transaction or ATM withdrawal that would overdraw your account will be declined at merchant or ATM locations, and you will not be able to complete your debit card purchase or ATM withdrawal.

To learn more about Acclaim Federal Credit Union’s overdraft review process for everyday debit card transactions and ATM withdrawals that overdraw your account:

  • Call 1-800-794-1001 and talk to one of our member service representatives
  • Stop by our office located at 1823 Banking Street
  • Click here to print out the required form to notify us of your decision

If you notify us any time prior to July 1, 2010, your decision will become effective that day.

Our goal is for you to minimize – and hopefully avoid - overdrafts and associated fees.  Let us provide you details about other options that may be available to you to help avoid fees, including overdraft protection2 or savings account transfers.

1 Acclaim Federal Credit Union pays overdrafts at our discretion, and has the right to not pay any item.  Acclaim Federal Credit Union
   will pay these items based on your account history, spending patterns and other factors.
2 Subject to credit approval


Current Acclaim Newsletter -- Click Here

Identity Theft
Protect your identification! It's the fastest growing crime and the one consumers name as their number one concern when contacting the Federal Trade Commission. It's identity theft, and it happens when someone steals your personal information and uses it fraudulently. Here are some do's and don'ts to limit the chance it will happen to you:

  1. Safeguard your personal information. Keep it under lock and key. Dishonest roommates or even repair people have been known to steal identities.
  2. Never carry your Social Security number with you or give out any personal identification numbers (PINs) as they relate to ATM or Credit cards, etc.
  3. Never give out personal information unless you initiate the contact and have a trusted relationship with the company or organization. Even then, ask why the company needs that information.
  4. Don't throw away any financial or personal information without shredding or tearing it up. Always check your bills carefully and question any suspicious charge. Report lost or stolen checks or credit and debit cards immediately.
  5. Don't click on links in "URGENT" or "IMPORTANT" email messages asking for personal or account information. No legitimate organization will ever ask you to disclose this type of information in an e-mail message.
  6. Do check your credit report. You can get one free report from each credit reporting agency annually. To order, visit www.annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request form available at www.ftc.gov/credit and mail it to:    Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
  7. Don't forget to file a change of address notice with creditors, your credit union or any other financial institutions when you move.
  8. Your credit union will never contact you and ask for personal information that we have on file over the phone.
NOTE: For your protection, please notify Acclaim Federal Credit Union immediately if you are moving or have had a recent change to any of the following: address, employment, phone numbers or email addresses. Your financial institution stores personal information about your account and it is imperative that we have accurate and current contact information in order to protect your privacy.

Member Protection Letter

Acclaim Federal Credit Union is pleased to announce a new offer called “GREEN” Auto Loan Special. Whether it’s a NEW or USED auto, we can help you do your part in preserving the environment.

Go GREEN car loan rewards the buyer who purchases an eco friendly and environmentally friendly vehicle by reducing your loan interest rate by .25% APR*. With direct deposit you may reduce your rate by an additional .25% APR*. Giving you a total of .50% APR*. Automatic payment plans award additional discounts.

Interest rate reductions are determined by the U.S. EPA (Environmental Protection Agency) and based on how your vehicle scores on fuel usage. Visit their website at www.fueleconomy.gov. If your vehicle gets 28 or more miles to the gallon you’ve met one of the first requirements for the GREEN Auto Loan Special.

Some restrictions may apply and based on credit history
Check with a Loan Representative on detailed qualifications and limitations

  • Guaranteed Low Interest Rates
  • Financing available on existing vehicle
  • Financing up to 120% of Value
  • Terms up to 84 months

Applying for and Auto Loan at Acclaim FCU is Simple and Fast with no lengthy approval process. APPLY NOW

*Annual Percentage Rate

MasterCard Credit Card
Whether you're shopping, traveling or need extra cash, your MasterCard Credit Card can give you the purchasing power you deserve. To meet your individual needs, we are proud to offer both Classic and Gold cards.
 
MasterCard Classic
MasterCard Gold
Annual Fee
None
None
Credit Limit
Up to $10,000
Minimum $250
Up to $25,000
Minimum $10,000
Rate
Low Fixed Rate
Low Fixed Rate
Grace Period
25 Days
25 Days
Balance Transfer Fees
None
None
Transaction or Cash Advance Fee
None
None
Auto Rental Insurance
Yes
Yes
To begin experiencing the benefits and convenience of an Acclaim FCU MasterCard Credit Card we encourage you to Apply NOW!
If you need more information before you apply please contact our
Loan Department at
336-332-5302 opt 1 or 888-794-1001 opt 1

REMINDER: For every dollar you spend using your MasterCard Credit Card, whether it is Classic or Gold, you earn Bonus Points with your ScoreCard Rewards program redeemable toward fabulous travel and brand-name merchandise.

Want to join the Credit Union AND apply for a card?
Membership Application

 

Life should be rewarding

Your MasterCard Credit Card
offers those rewards with every purchase!

Every purchase you make with your card earns you valuable Bonus Points you can redeem for brand-name merchandise and exciting travel rewards.

GIFTS & GADGETS
If you visit the web site www.scorecardrewards.com you’ll be amazed at the merchandise available. You can also search for awards by Bonus Point level so you will always know how many more Bonus Points you’ll need for that “must have” reward. Once you’ve earned enough Bonus Points to redeem, you can send your order on line or through regular mail. It’s that easy!

DESTINATION UNKNOWN
When it comes to travel, ScoreCard has something for every preference and every Bonus Point level.

ScoreCard

REWARD YOURSELF…you deserve it!


You don’t have a Credit Union MasterCard?
Click here to Apply now!


We’re always here for you…every step of the way