Please be aware of a new phone scam targeting debit card information that is occurring around the country.
The scam is: members get a phone call with the caller pretending to be with the credit union’s fraud department. The caller is using a spoofed phone number so the incoming number looks legitimate. The caller explains that possible fraudulent activity occurred on the card. They will attempt to gain your personal information and private banking information.
Here are three major red flags and you should stop the call and hang up immediately: 1. The caller asks for your card PIN – Never provide your PIN to anyone-verbally or with your phone keypad. There is no valid reason that a caller will ever request your card PIN. 2. The caller asks you to provide your online banking ID or password. 3. The caller asks you to provide your card or CVV number.
If you feel that you have fallen victim to a scam then please notify us immediately.
Please be aware that due to a software app update, iPhone users must delete the Mercer County Community FCU app, and reinstall and reactivate the app on their iPhone. Droid users will need to simply update the app on their phone.
We sincerely apologize for the inconvenience. If you have any questions, please call our Hermitage office at 724-981-9410 and speak to any Member Service Representative.
We are excited to celebrate our newly renovated credit union branch on Sharpsville Avenue in Sharon!
Stop in and check out the larger open concept lobby and expanded drive-thru lanes with state-of-the-art video monitors. All of the new updates will allow us to continue to provide the highest quality, most efficient member service made possible through new banking technology. We hope that you enjoy the updates and that they improve your visit with us.
We are celebrating the Grand Opening the whole month of April so be sure to enter our giveaway for $1,000* towards a room renovation. Visit the credit union for entry forms, official rules and all the giveaway details.
*$1,000 to be given away as Home Depot Gift Card. **MCCFCU is not affiliated with Home Depot and they are not a sponsor of this promotion. The Home Depot is a registered trademark of Home Depot Product Authority, LLC.
Mercer County Community Federal Credit Union will present their 19th Annual Continuing Education Awards at the Annual Dinner Meeting on April 13, 2019. There are five $1,000 awards for the 2019-2020 academic year. Awards are open to any 2019 high school senior or any student between the ages of 17 and 25 who are in pursuit of an academic, professional, or vocational post-high school education at a college, university, or accredited trade school. Applicants must be a member of MCCFCU prior to submitting their application.
The Shenango Valley Chapter of the Pennsylvania Credit Union Association will award scholarships to qualifying students, between the ages of 17-24, who are pursuing post-high school studies at a college, university, or vocational trade school. Applicants must be a credit union member or become a member prior to submitting an application.
Since this is Google initiative to dictate how the internet is governed, MY CU Services will have no choice but to make changes on our side to resolve the issue going forward. Project completion date should be close to year end.
In the mean time please advise the members who are using Chrome on Windows 10 to use Internet Explorer, Edge, Safari, or Firefox until we have an update for Google Chrome. They will not get this message on any other browser.
Sorry for the inconvenience,
The Staff at My CU Services
Please note that starting on July 1, 2018, a new Federal Regulation requires all checks using Mobile Banking and the remote deposit capture feature, to use a restrictive endorsement. All members currently using Mobile Banking have been sent a letter explaining the new endorsement.
Here is the updated endorsement language in the Mobile Banking Agreement:
ENDORSEMENT/STORAGE: You agree to properly endorse the check on the back as it appears on the “payable to” line and include an endorsement similar to: “for mobile deposit only at MCCFCU“ or “for mobile deposit only at Mercer County Community FCU” or “mobile deposit only MCCFCU”. Duplicate presentment of checks and images at the Credit Union or another depository institution is considered fraud.
For a check payable to you AND any joint owner, both must endorse. If a check is payable to you OR joint owner, either can endorse it. You agree to securely store each original check that you deposit using these services for a period of at least sixty (60) days. After sixty (60) days and not later than ninety (90) days after you transmit the original check, you may safely destroy the original check. You agree to never re-present a check for deposit. You understand that you are responsible and liable for any loss caused by your failure to secure the original checks.
At Mercer County Community Federal Credit Union, we strive to offer new and improved solutions to meet all our members’ financial needs, which is why we offer Courtesy Pay.
Most of us have found ourselves facing an occasional cash shortfall, be it the result of a checkbook error or an unexpected bill. If you have ever accidentally bounced a check, you already know that in addition to the embarrassment, you may also face merchant fees for the returned check along with the inconvenience of returning to the merchant to correct the error. And while a declined debit card does not create merchant fees, it can be an embarrassing experience.
Courtesy Pay is a non-contractual service, whereby we may honor your insufficient transactions up to your limit of $500.00, as long as you maintain your checking account in good standing. Courtesy Pay does not guarantee that Mercer County Community Federal Credit Union will pay your insufficient item. However, if you should have an overdraft, your account will be charged our standard Non-Sufficient Funds (NSF) fee.
With Courtesy Pay, our intention is to provide you with another resource to help manage your occasional cash shortfall. Our Courtesy Pay program will automatically be added to your account for checks, automatic bill payments and other debit transactions. If you would like overdraft coverage for your ATM withdrawals and everyday debit card purchases, simply ask us.
Mercer County Community Federal Credit Union believes Courtesy Pay is one more way we can help you meet your financial needs. If you would like to have Courtesy Pay coverage for ATM withdrawals and everyday debit card purchases or if you would not like Courtesy Pay coverage for checks, automatic bill payments and other debit card transactions, please notify us at 724-981-9410.