Points of Interest                                                                      Spring, 2010  

Please plan now to attend your CU's 48th Annual Meeting!
Friday, March 5, 2010 in the City Council Chambers at 5 p.m.
There is one seat up for election on the credit union's Board of Directors.  If you are interested in serving contact the credit union by February 5, 2010.  See your winter newsletter for more info.

Access your ICEFCU MasterCard online + enroll for eStatements!
Just click on "Access my MasterCard" on the front page of our website.  Click on "yes" that it is ok to leave our site.  Follow the prompts to set up your passwords to access your ICEFCU MasterCard information.  You can see your recent ICEFCU MasterCard transactions, make payments, review prior statements and CURewards points, etc. 
All at no charge!

Have you signed up for E-mail notifications of your debit card activity?
With this free service, you receive notice of authorizations and confirmations of your debit card transactions--usually within a few minutes of the transaction! Great for early fraud detection and balancing your checkbook! Stop by the credit union to sign up or fax us the e-mail address you wish to have the notices sent to.

ATM/Debit Card Tip:
Only your checking account balance is read by the ATM machines. They do not "see" balances in your savings account. The CU updates/sends members checking account balances to the ATM network Monday-Friday in the mornings and evenings to get the most accurate balance info to the ATM network. Avoid ATM charges by getting your cash at the grocery and merchants that offer "cash back"! The CU now provides remote ATM service at City Hall; the Criminal Justice Center; the North Police Station; the auto pound building on Valley View and in the new Valley Ranch Library!

Check 21 is here! Check 21 advancements in check processing mean less float time for your funds! Checks that previously took days to clear could now clear in a matter of hours, so we recommend that you never write a check without having sufficient/collected funds in your account the cover the payment. Plus, don't write check's off a check you are depositing until you know for sure that a hold won't be put on the funds! FYI, the CU does not put holds on City of Irving payroll checks. Other checks that you deposit may have a hold put on them. On checks over $500 that are made payable to two or more individuals, each payee should be present with valid IDs to negotiate the check--even if it is only for deposit.
The credit union offers overdraft protection from your savings account and/or line of credit loan to protect you from NSF fees or having a check returned. Call us for more information or to take advantage of these services!

Check cashing policy for non members:
We will cash city of Irving payroll and IRS checks for City of Irving employees
who are not members of the CU. They must have proper ID and there is a 2% fee of the check amount to cash these checks. We cannot accept any check (from members or non-members) that looks altered in any way. The only exception is the date. We are not a check cashing facility! We do not cash checks for non-members that are not City of Irving employees.

Important Telephone Numbers:
For a lost/stolen MasterCard/Credit Card, please call 1-800-449-7728. 
For information on your MasterCard/Credit Card, please call 1-800-654-7728, or from our home page click on "access my MasterCard account".
For a lost/stolen ATM or Debit Card, please call 1-800-523-4175. 
For lost/stolen checks/share drafts, please call 972-259-1233.

FYI

• ICEFCU forms are available on ICENET! Look in the drop down box on the ICEnet home page to print out CU loan applications, the payroll deduction form, etc. Please call us first before changing our payroll deduction form so that we can confirm with you that you won't be deleting deductions you want to keep.
   
• Direct Deposit: When you net pay your City of Irving paycheck directly to your ICEFCU checking/share draft account, those funds are normally available via ATM withdrawal the Thursday evening prior to payday Friday. Please note that these funds are not available to pay checks/share drafts presented on Thursday. 

Important information about procedures for opening a new account:  To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.  What this means for you:  When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver's license or other identifying documents.  We may report information about your account to credit bureaus.  Late payments, missed payments or other defaults on your account may be reflected in your credit report.