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Dine Magazine
Millstone Inc.
Greater Morning Star Child Care Ministries
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If you think you've become a victim of identity theft or fraud, act immediately. To minimize the damage to your personal funds and financial accounts notify your financial institutions. You should also contact the Federal Trade Commission at either of the following:
You may also contact the fraud unit of the principal credit reporting company, Equifax:
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Jet CU Protects Your Personal Account Information
Jet Credit Union recognizes the importance of protecting the personal financial information of our members and former members. Since you choose to do business with us and because we value your business and continued trust, we are obligated by law to keep your account and financial information secure and confidential.
Jet CU's Security Standards
Jet Credit Union restricts access to your non-public account(s) or personal information to our authorized employees who are trained in the proper handling of member information. We maintain physical, electronic, and procedural safeguards to ensure compliance with standards that are intended to safeguard your non-public personal information.
Account Information Collection
In the course of providing services to our members, Jet CU collects, retains and uses personal financial information about you. For example, when you apply for a loan or open a new account, we may ask you to provide information about your financial status such as your employment, income, monthly expenses, and assets. We may also use third-party sources, such as consumer reporting agencies and other creditors, if we need to know about your credit and repayment history. After you become a member we maintain information about your transactions with us including your account balances, investments, payment history and overdraft history.
Confidentiality and Security
Under no circumstance does Jet CU provide the account or personal information of our members to other companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies. However, from time to time, Jet CU will carefully select business partners to provide you with specialized financial services such as insurance. Although those companies are not affiliated with us, we work closely with them in meeting your financial needs. If appropriate, we may disclose to these companies information such as your name, address and telephone number that we receive from you on applications or other forms. Our business partners must agree to strictly safeguard the confidentiality of our members' information and they are not allowed to disclose this information to anyone else without our permission. We may also disclose certain non-public information of our members to third parties in the following limited circumstances:
- When you request or authorize us to do so
- When we complete transactions that you initiate or conduct day-to-day business operations (i.e., printing checks and mailing monthly statements)
- When we provide information to a credit bureau or similar reporting agency or clearing agency
- When required by law, regulation or court order, or in response to a properly authorized subpoena (in which case we release only the specific information required)
- In each case where we release non-public information to a third-party company, we require the company that receives the information to agree to safeguard the information and use it only for authorized purposes.
Categories of Information We Disclose
In our effort to provide a wide range of products and services to our members, we may share information about you with one or more of our affiliates. An affiliate is a company we own or control. For example, we may share your name, address and telephone number with our affiliated companies that offer investment services, automobile-buying services and insurance services.
Jet CU's Computer Security
Data on the Jet Credit Union website is secure and protected. Our staff is trained to treat member information with the utmost confidentiality.
JCU keeps the user information secure via Secure Sockets Layer (SSL) and other types of encryption. This protection extends to feedback forms, product order forms and other online forms asking for personal information. Microsoft and Netscape browsers, version 4.0 and above, support such protocols.
However, older browsers such as Internet Explorer 3.0 and 3.02 will require you to download a security patch in order to access the aforementioned online forms. Once you have saved the patch to your hard drive, double-click on the file, follow any instructions displayed, and restart your browser.
Jet Credit Union Appreciates Your Membership!
We want to answer any questions you have about Jet Credit Union, our organization, privacy policy statement or our practices on the website. Please contact us at any of the above listed locations.
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Come to Indiana State Fairgrounds Marsh South Pavilion on Saturday, April 12, 2003 from 9:00am to 4:00pm. Take advantage of on the spot financing to qualified members, low annual percentage rate, and up to 60 months to repay. (Rates and terms subject to change. Subject to underwriting guidelines.) Get ¼% off if you sign up for Payroll Deduction or Direct Deposit for Automatic Loan Payment!
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Credit fraud and credit card theft is a widespread problem affecting the entire consumer credit industry. The most common occurrence of credit card theft happens when wallets, purses and briefcases are lost or stolen.
Credit card account statements also contain sensitive information that you don't want thieves to know. Even store and ATM receipts will frequently print your account card number. It's a good idea to shred all financial documents before discarding them and look over your credit report for unexplained credit inquiries or credit approvals.
Another common practice for credit card identity theft is the simple act of mail theft. When a criminal intercepts a pre approved credit card application from an unsuspecting consumer's mailbox, he can call the issuer of the credit card offer and request the mailing address be changed. Many credit card issuers will make a change of address without requiring any further verification, and subsequently the new credit card will be mailed directly to the criminal.
Credit obtained fraudulently will go undetected until the charges become past due and the creditor comes looking for you.
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CHECK HOLDS
Effective immediately, Jet Credit Union reserves the right to enforce a 'hold' on checks of $250 or more on Visa payments, loans (secured and unsecured) and Home Equity Lines of Credit.
ATM HOLDS
Holds are also placed on ATM deposits. Please treat cash withdraws like a personal check and document each withdraw in order to maintain accurate account balance records. All ATM deposits will have a five (5) business day availability hold regardless of cash or check. Suspicious activity may trigger holds.
DEBIT CARDS
When using your debit card remember to record the transaction in your register immediately. Debit purchases place a hold for the amount for three (3) business days. This insures that the funds will be available when the merchant presents their receipts through Visa for payment.
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A Letter from the Chief Operations Officer, Beverly G. Jinkins
The above words and phrases are among the most common headlines we have seen the past year. With these catch words in mind, Jet Credit Union is offering you the following information to help you make informed financial decisions.
As you know, investment rates have not been as low as they are now in over 40 years. Jet Credit Union has tried to maintain investments rates that match or beat the local competition. (See our most current rates on page two.)
With the crash of so many dot com's, technology businesses and well established companies such as World Com, Enron and Martha Stewart, the best advise Jet can offer is: make sure your retirement funds and Savings are in low-risk, insured accounts.
Jet has partnered with Financa Mortgage to provide mortgage loans and products to our members. Again, rates have not been this low since the 1950's - early 60's. To take advantage of the low rates call Sherry at to apply.
Indianapolis has one of the fastest growing Hispanic communities in the country. In an effort to serve our new neighbors, Jet is programming the ATM's that we own to include Spanish language features, which are now being tested and should be available soon.
With the merger of so many banks in our area, we have helped several small businesses with their financial needs. If you know of a business that is tired of the hassles that come with bank mergers, then ask them to call Shane at .
Jet Credit Union will begin offering financial classes in the second quarter. Some of the topics we'll cover include how to balance your checkbook, how to prepare for buying a home, and how to lower your debt balance and increase your Savings balance. In the meantime, it is important to be proactive with your finances. Start a family budget for the New Year.
Fraud in America has reached a record setting high. In 2002, check fraud surpassed credit card fraud at an alarming rate. Due to this increase, Jet is now required to implement fraud prevention techniques, this includes Thumb Printing. Effective in February, new members opening an account and nonmembers who wish to cash checks will be required to provide a thumb print.
In addition to fraud prevention techniques, Jet will be offering members the opportunity to receive a copy of their Credit Report to review. Because identity theft has become such a major problem nationwide, reviewing your credit report is an excellent way to make sure your personal records match the credit bureaus'.
To Protect Yourself From Identity Theft:
- Safeguard your social security number
- Request password protection for your accounts
- Check your credit reports for suspicious activity
- Stop junk mail by "opting-out" of receiving pre approved offers
If You Become Aware of Identity Theft:
- Initiate fraud alerts to the credit agencies
- Spread the word to any creditors where bills have been run up
- Get a police report
As our world, society and community continue to change, please do not be offended when asked to produce an Identification Card even if you have been a long time Jet Credit Union member. We do this to protect your accounts and we will continue to take steps to screen members and their transactions.
The employees and staff would like to wish all of our members and families a very prosperous New Year and we look forward to serving each of you in 2003!
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