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What's New

NOTICE: Electronic Funds Transfer Disclosure Change -Effective October 17, 2014 MasterCard will be implementing a policy change.

Below is a brief synopsis of the changes. For the disclosure amendment, click here.

  • MasterCard $0 Liability Limitation for unauthorized transfers will apply to PIN-based ATM and POS transfers.
  • MasterCard will now impose a reporting duty on the cardholder. To be covered by the zero liability limitation under the revised rule, the cardholder must promptly report the loss or theft after becoming aware of it.
  • The new rule eliminates the $50 liability limitation that applies under the current MasterCard rule if the conditions for zero liability aren’t met. So, under the revised rule if the conditions for zero liability are not met (for instance, because the cardholder did not promptly report the loss) the Reg. E limitations will apply instead of the current $50 MasterCard limitation. Under Reg. E the cardholder could have up to $500 liability if the loss is not reported within 2 days of discovery, or unlimited liability if the unauthorized transaction is not reported within 60 days of when the unauthorized transaction was reported on a periodic statement.

HARLEY DAVIDSON...'NUFF SAID!
With rates as low as 1.99% apr1 and financing up to 125% of NADA retail value2, there's room to outfit your new ride! You can even refinance your bike loan from another lender to a One CU loan and save! Apply Online today or stop by one of our offices. But hurry! These rates will be riding off into the sunset soon!
1APR is annual percentage rate. Rates quoted "are as low as" and reflect automatic payment; rate increases by 0.50% without automatic payments. Automatic payments are required to be set up at loan closing to qualify for discounted rate. Rate is determined by an assessment of credit and may vary from rate shown. Rates are subject to change without notice. Restrictions may apply. 2Financing up to 125% of NADA retail value to qualified buyers, based on credit worthiness..

SCAM ALERT!
 
Phone Scam
A phone scam that has surfaced is targeting members by calling and telling them that their card has been suspended or deactivated, and asking for personal information to reactivate the card. Call One Credit Union immediately if you have received a call such as this and gave information in response to this scam. Remember, we will never call you and ask you to verify personal information. Do not give any information in response to a call you did not initiate. When in doubt, hang up and call One CU or call the phone number printed on the back of your card.

Be Aware!

The Attorney General’s office has issued an advisory for consumers to be on the lookout for suspect phone calls or text messages indicating a problem with the consumer’s debit card and asking the cardholder to call a telephone number for assistance, where the perpetrators will attempt to gain confidential personal information. They may also tell you that the card or PIN is blocked and ask you to enter your card number.
The AG’s office advises consumers to not respond to such messages and to contact the card-issuing institution if they’ve already responded in order to protect their account. Consumers can also report such scam attempts to the Consumer Assistance Program at consumer@uvm.edu or 800-649-2424.


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