New Phishing Scam Alert
Recently, an e-mail that purports to be from the IRS has been circulating. The IRS will never communicate or attempt to communicate via e-mail. The e-mail also may include an attachment. As this e-mail is a scam attempt, do not open the attachment or reply in way to the e-mail. The e-mail reads as follows:
"Internal Revenue Service (IRS)
United States Department of the Treasury
After the last annual calculations of your fiscal activity we have determined that you are eligible to receive your tax return.
Due to invalid account records we were unable to credit your account. Please submit a verified tax return request as soon as possible.
Your tax return request form is attached to this email.
After you submit the tax return request, please allow us 6 to 8 working days in order to process it.
Regards,
Internal Revenue Service"
Call us at 307-344-7974 if you wish to obtain access to Online Banking or Audio Teller. We will be happy to set up a User ID and temporary password
VEHICLE RATE SPECIAL
NEW VEHICLE (2009-2011 Model Years) LOAN RATES as low as 4.50% O.A.C.
CALL US FOR DETAILS!
307-344-7974
NEW SURCHARGE-FREE NETWORKS
FOR YOUR DEBIT CARD!
You can now access Pulse, Allpoint, and Co-op ATM networks with your Yellowstone FCU VISA debit card.
Nearby surcharge-free ATMs (Allpoint) are located at the Town Station (Sinclair) in Gardiner, Target, Costco and Loaf N Jug stores in Bozeman, and Zip Trip stores in Livingston and Bozeman.
Nearby Pulse network ATMs are located at Wells Fargo and American Banks, Western Drug and Town Pump stores in Livingston,
Allpoint has recently added ATM access throughout Mexico and Australia as well.
Other surcharge-free ATMs can be located by checking Allpointnetwork.com and Pulsenetwork.com.
Have You Opted In for Transaction Protection?
If you have a Yellowstone FCU debit card, you should have received a notice from us about new regulations that now require you to opt in for:
Overdraft protection on everyday debit and ATM card transactions
You choose: You must give your permission (opt in) to apply standard overdraft practices to everyday debit card and ATM transactions before you can be charged overdraft fees.
Existing Accounts: Effective August 15, 2010, standard overdraft practices won't apply to your everyday debit card and ATM transactions. These transactions typically will be declined when you don't have enough money in your account, but you will not be charged overdraft fees.
New accounts: If you opened a new account on or after July 1, 2010, you cannot be charged for everyday debit card and ATM transctions unless you opted in. For new accounts opened prior to July 1, 2010, your credit union or bank was required to send you a notice about their standard overdraft practices, instructing you to fill out and sign a form indicating you wanted to opt in to overdraft protection.
Flexibility: Whatever your decision, the new overdraft rules give you flexibility. If you opt in, you can cancel at any time. If you do not opt in, you can do so later.
Checks and automatic bill payments: The new rules do not cover checks or automatic bill payments that you may have set up for paying bills such as your mortgage, insurance and utilities. Our standard overdraft practices will apply for these types of transactions.
Avoid declined transactions on everyday debit and ATM transactions- opt in for overdraft protection by calling the credit union today with any questions.
For more detailed information about these new rules, please visit www.federalreserve.gov and click Consumer Information.
WHO CAN JOIN YELLOWSTONE FEDERAL CREDIT UNION?
Membership in YFCU is open to anyone living or working in Yellowstone National Park or Upper Paradise Valley (Gardiner to Point of Rocks).
MEMBERSHIP REQUIREMENTS:
Members must maintain a $25.00 minimum balance in a share(savings) account. There is a $1.00 one-time membership fee upon opening an account. If the account is closed before 90 days of membership has been maintained, there is a $25.00 closing fee. We ARE NOT able to conduct any business for persons who are NOT MEMBERS of the Credit Union.
SERVICES AVAILABLE AT YFCU:
Savings accounts: Interest is compounded monthly. All accounts are insured up to $250,000 by the National Credit Union Administration.
Checking accounts and VISA Check cards: Checking accounts are available only if a $25.00 minimum balance is maintained in the member's share account. There are no per check charges, and no limit on the number of checks written. Other charges which may be incurred are as follows: $25.00 check returned for non-sufficient funds, $20 stop payment, $25.00 special handling, $3.00 for excessive overdraft transfers, and $3.00 photocopy.
VISA Check Cards (debit and ATM cards) are available for approved checking account holders.
NO SURCHARGE ATMs available at Mammoth Hotel, Lake Hotel, Canyon Lodge, Old Faithful Inn and Snowlodge.
Loans: Amounts available based on review of income, debts, credit history, etc. Types of loans available are personal, new vehicle and other collateral loans, and mobile/manufatured housing loans Please check for latest interest rates. There is NO penalty for early pay-off.
Services:
Deposits by mail: Pre-addressed envelopes for mail deposits.
Notary Public: No fee for members. $1.00 per item for non-members.
Official Checks: $5.00 per check.
Money Orders: Maximum $1,000 face amount. $2.00 fee per money order.
Wire Transfers: $20.00 fee per transfer. No fee for member to receive wire. NO international wires.
ACH Transfers: Both debit and credit transfers for $2.00
Photocopies: 10 cents per page.
Coin Counter: No charge.
Direct Deposit and Payroll Deduction for Xanterra and Federal employees.
Youth Savings Program