Important Information Regarding Target Stores, Inc. Data Breach
Due to the data security breach involving Target Stores, Inc., all Yellowstone FCU debit card holders who made a purchase at any Target store between November 25 and December 13, 2013 are strongly encouraged to closely monitor their accounts and immediately report any questionable charges. Additionally, these card holders may have a new debit card issued at their request by calling our office at 307/344.7974. Due to the wide scope of the data breach, our debit card processor advises us that card issue requests are taking up to 14 days to be fulfilled.
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 Allpoint network ATMs are located at Target, Costco, and Loaf N Jug stores in Bozeman, as well as Zip Trip stores in Livingston and Bozeman.
Nearby Pulse network ATMs are located at Wells Fargo and American Bank branches, as well as Western Drug and Town Pump stores in Livingston.
Additionally, through an agreement with Xanterra Parks & Resorts, none of the ATMs in the hotels in Yellowstone assess a transaction fee for Yellowstone FCU debit/ATM card holders.
Allpoint has recently added ATM access throughout Mexico and Australia as well.
Other surcharge-free ATMs can be located by using the ATM locator tool at 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).
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/ATM cards) are available for approved checking account holders.
The reloadable CU Money card is an additional debit card option available to members.
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.
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 $5.00
Photocopies: 10 cents per page.
Coin Counter: No charge.
Direct Deposit and Payroll Deduction for Xanterra and Federal employees.