News & Events   The D.I.A.L. system is no longer available. Please click here for further details!         us on  to stay up to date on the latest credit union news! Important Changes to your debit card The Change The Federal Reserve Board has passed new regulations that require us to remove you from our Courtesy Pay program, which covers transactions when funds are not available, on July 1, 2010 unless we receive an Opt-In from you. What this means for you Currently, if you qualify, Courtesy Pay protects you, should you overdraw your account. While Courtesy Pay is in effect, a merchant is never aware that the funds were not available in your account. Under the new regulations, if you do not Opt-In, we will not be able to cover one-time debit card transactions if funds are not available in your account at the time of the transaction. The debit transaction will be denied. Insufficient funding may result in any or all of the following:  The merchant will be forced to cancel your transaction or obtain another type of payment The credit union may assess an insufficient funds fee (currently $30) The merchant may assess a fee The merchant may report the incident to Telecheck - Telecheck is a company that monitors the quality of your check writing, much the way credit bureaus monitor your credit transactions. A report to Telecheck may negatively impact your rating and may restrict future debit & check-writing. What we don’t want for our members To be in line at the grocery store, after shopping for hours, just to be denied at checkout To enjoy a nice dinner out and not be able to pay when the bill comes To promise your child a day out to the movies only to be denied for ticket purchase And so on Your Options ·         Opt in to our Courtesy Pay program and we will continue to cover your accounts as we always have. ·         Do nothing and you will automatically be opted out on July 1, 2010.   How to Opt-In Mail, Fax or e-mail the Opt-In form or by visiting us at any of our branch offices (Trenton, Flat Rock, Grosse Ile or Gibraltar) Please contact us if you have any questions. It is our goal to continue to provide you with Courtesy Pay protection! (Please note- Courtesy Pay coverage is offered at our discretion. We do not guarantee that we will authorize or pay any type of transaction)  E-STATEMENTS ARE AVAILABLE SIGN UP TODAY FOR YOUR CREDIT UNION STATEMENT TO BE AVAILABLE THROUGH ONLINE BANKING! Just log into online banking and select e-statements on the left hand side of the screen! Attention members with an overdraft or revolving loan    In compliance with the Credit Card Act of 2009 and Regulation Z, all overdraft line of credit loans and revolving signature loans will have a due date of the 27th of each month.  Payments may be made at any time during the month, but the payment will not be due until the 27th day.                                 A stolen purse or lost wallet gives an identity thief all the information and documentation they need to take advantage of your good name and credit. Here is what to do if your purse or wallet is stolen. 1. Call your credit card and Debit Card Issuers Lost or Stolen Debit Card: 1-888-241-2510 Lost or Stolen Visa Credit Card:1-800-299-9842 2. Open a report with local Police or Sheriff 3. Call all three major credit reporting agencies and request a fraud alert be put on your account 4. Contact Metro Shores Credit Union and report the event Trenton Branch: 734-676-8666 Flat Rock Branch: 734-783-3240 Grosse Ile Branch: 734-671-3060 Gibraltar Branch: 734-676-4722 (Tuesday & Friday) 5. Order and begin a vigilant review of your credit reports To read about other steps to take click here. Information is taken from Identity Theft Labs  08/14/2010   Metro Shores Credit Union 2360 West Jefferson Trenton, Michigan 48183 (734) 676-8666 Fax: (734) 676-5759 info@metroshores.org