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General Security Tip

Advantage Federal Credit Union has an important security tip – we will NEVER contact you to ask you for your account number or other personal information by email, phone, or text message.

It is important that you never respond to phone calls, text messages, or emails that ask you to provide, validate, or update any account information.

Your personal information is highly valuable and Advantage FCU makes it our priority to encourage our members to take precaution when giving such information out. Knowing how to protect your information is important especially in today’s technologically advanced world.

The Federal Trade Commission published tips on how you can protect yourself from online hackers including:

For more information visit: www.consumer.ftc.gov.

Online Romance Scammers

Scammers take advantage of people looking for romantic partners, often via dating websites, apps or social media by pretending to be a prospective companion. Often people fall victim to those posing as or claims to be a U.S. Soldier. The “Soldier” then begins asking for money for various false service-related needs such as transportation costs, communication fees, marriage, processing and medical fees. Victims of these online scams have lost tens to thousands of dollars, with a very low possibility of recovery. The U.S. Army Criminal Investigation Command (CIC) has tip son what to look for and “Red Flags” that AFCU Members should be aware of.

Click here to read the full article.

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Protect Yourself Against Fraud

GuardID Checking Account

Extra Protection You Can Bank On & FREE CREDIT SCORE!

You work hard for your money, and you know it makes sense to protect it and save it. GuardID Checking helps keep your money safe and offers sound money-saving financial benefits, so you can feel secure.

GuardID Checking brings you valuable financial and security features – including access to your account from almost anywhere and protection from identity theft – AND we make it easy for you to enjoy these benefits for a low monthly service fee of $7.00.

Keep Yourself and Your Family1 Safe from Fraud and Loss.
Identity theft is on the rise, but you can rest easy knowing that you and joint account holders are protected by our comprehensive IDProtect® service, which includes:

  • Free Updated Credit Score. 
    IDProtect® will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur. You can request a free, updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score.2*
  • Comprehensive Identity Theft Resolution Services. Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your credit and identity are completely restored.
  • Identity Fraud Expense Reimbursement Coverage. Receive up to $10,000 to help pay expenses, clear your name and repair damaged credit, should you become the victim of identity fraud.3*
  • Debit and Credit Card Registration. Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards – and your liability is limited – should your cards become lost or stolen.(Registration and activation required)
  • Total Identity Monitoring. Continuous monitoring of over 1,000 databases. (Registration and activation required)*

Additional Benefits

  • No Minimum Balance Requirement
  • Unlimited Check Writing
  • 1 Free box of Checks Per Year
  • Free Corporate Checks
  • ATM/Debit Card
  • No Debit Card Fees
  • Free E-service including up to minute e-alerts
  • No AFCU charge for ANY ATM
  • Free Online Banking
  • Free Bill Pay
  • Money Transfers to and from other financial institutions for Free.
  • ALLPOINT ATM Network: Access over 55,000 Surcharge Free ATM’s Worldwide
  • Access to 33 Local Branches through Shared Branching
  • IDProtect®

*Family includes Spouse, domestic partner, and children under 25 living in the same household that are account owners.**Reimbursement coverage is an insurance product and not a deposit; not NCUA insured;  and not an obligation nor guaranteed by the credit

Upon application for your checking account, you will receive complete information on electronic funds transfer, funds availability, and truth in savings.   For more information please contact a Member Service Representative at 585.454.5900, ext. 5

Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.&

1 IDProtect® service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect® benefits are available to joint account holders. Benefits are not available to a “signer” or “beneficiary” of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.

2 Credit score may differ from score used by Advantage FCU.

3 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

*Registration and activation required.

Insurance product is not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity.

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Equifax Cybersecurity Incident

To learn more about the Equifax cybersecurity incident, including whether your personal information was potentially impacted, or to sign up for complimentary identity theft protection and credit file monitoring, click here .

 

Once on the Equifax page, determine if your personal information was impacted by clicking on the “Potential Impact” button and enter in your information.

 

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Bill Pay Verification

If you use Bill Pay, please verify your Bill Pay vendors.

If you do not see all of your vendors, please contact us by Chat or phone.

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New Online Banking Tips

Quick Tips:

Visa Payments and Transactions

To make a transfer to your Visa, go to Move Money and select Make a Transfer. Select Advantage Visa Payments as the “To” account and choose the account you are paying from as the “From” account. Payments are transmitted to VISA at the end of the business day.

To access Visa EZCard Info, go to Additional Services and select Credit Cards.

Member to Member Transfers

To transfers to another member, go to Move Money , select Transfer to another member and follow the steps below:

  1. Enter the Member’s Name
  2. Enter the first THREE initials of Member’s Last Name
  3. Enter Account ID (For example: Share Account would be an S1. Make sure the letter is capitalized)
  4. Enter Member’s Account Number

Once you have added the recipient, the information is saved and you can easily transfer to them again by just selecting their name.

Bill Pay

Previously our bill pay service provided a future balance of your account based on existing, scheduled bill payments.

The new online bill payment service does not provide this future balance.

In the Make a Payment section of the My Accounts screen, the system will provide a Total sum of all existing scheduled bill payments.

You can then take the available balance from your checking account, and subtract the Total sum of the scheduled bill payments from the available balance using the calculator in the lower right hand corner of the My Accounts screen. This will calculate what your future available balance will be after the scheduled bill payments are made.

Payment processing takes 4 to 10 working days. The main variable in processing time is whether the payee accepts electronic bill payment or requires a physical check. If the vendor does not accept electronic payments, a check will be issued and mailed directly to the vendor.

Please verify your Bill Pay vendors. If you do not see all of your vendors, please contact us by Chat or phone.

Mobile App

Before you download the new app, you will need to delete the old app.

You will also be required to login to Online Banking via a PC before you attempt to login using the mobile app

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3rd Annual Rochester City School Supply Drive

Thank you to everyone who donated to our 3rd Annual Rochester City School Supply Drive! We are so excited to see all the donations and this year we will be donating all supplies to the RCSD  2017 Teacher Orientation. Thank you!!!

 

 

 

 

 

 

 

 


Please join us to help prepare Rochester City students for another successful school year and donate supplies today at any of our eight branches until August 12, 2017!

Teacher’s Wish List

  • Dry erase markers
  • Pencils
  • Markers/colored pencils
  • Crayons
  • Notebooks
  • Folders
  • Index cards
  • Loose leaf paper
  • Kleenex
  • Hand sanitizer
  • Sticky notes

Kiss 106.7

Radio 95.1

Mix 100.5

 

 

 

 

 

All donations will be donated to RCSD  2017 Teacher Orientation.

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Advantage Federal Credit Union Gives Back $4000 to Students

Advantage Federal Credit Union in partnership with Rochester General Hospital, has donated back $2500 to the RGH Youth Apprentice Program (YAP) through the RGH Debit Card Program.

 

In addition to the $2500 donated back to the program, Advantage Federal Credit Union gave a $1500 college scholarship to one of the graduating high school seniors in the program.

RGH Youth Apprenticeship Program

RGH Youth Apprenticeship Program

 

Advantage Federal Credit Union has a full service branch at Rochester General Hospital for the convenience of all employees and visitors. Make sure you get your RGH Debit Card today because every time you use your card, Advantage will donate a portion of their profits to RGH’s Youth Apprenticeship Program!

 

Advantage Federal Credit Union was established in 1931 as the Teacher’s Credit Union serving the Rochester City School District. In addition to Rochester Regional Health, Advantage continues to serve major Rochester employers including, the Rochester City School District, the University of Rochester, RIT, and Highland Hospital along with over 70 other employee groups.

 

Advantage also serves individuals and their family members who live, work, worship, volunteer or go to school in the City of Rochester.

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Why You Should Get Preapproved for a Car Loan

Why You Should Get Preapproved for a Car Loan

When shopping for a new car, many people overlook one important step: getting preapproved for an auto loan. It’s a simple process that can make car-buying go more smoothly and save you money.

Read more

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Construction outside RGH Branch beginning 4/10/2017

Beginning Monday, April 10th, there will be construction outside of our Rochester General Hospital Branch.

If you visit this branch, please use valet parking or park in the garage.  Whichever parking option you choose, it will be validated by us, so there will be no charge. Please keep your ticket and bring it to the branch.

Please continue to visit this branch.  This is a minor disruption with parking and will not impact branch service or hours.

We apologize for any inconvenience.