The CourierA PUBLICATION OF FIRST CLASS AMERICAN CREDIT UNION

2595 Polaris Drive, Fort Worth, TX 76137Phone: 817-834-9777 Toll Free: 800-736-6144Fax 817-834-9770

October 2015

October 2015

FCACU FREE CHECKINGReward WE PAY YOU! YOU DON’T PAY US! Each time you use your debit card, for a cash purchase, or by withdrawing from your account at an ATM, we keep track of the amount of money that is used with your debit card during the month, and we pay you a cash back reward at the end of the month.

Pay it ForwardSPEND AND SAVE AT THE SAME TIME! Every time you use your debit card or write a check, the amount of the purchase is rounded up, deducted from the Pay it Forward Checking Account and put into a special high-yielding Pay it Forward Savings Account.

*Reward Checking - Minimum deposit required to open account $25.00, No monthly service charge, monthly cash back reward declared monthly. E-statements are required on this account. See account disclosures and rates for more information. Account subject to approval.*Pay it Forward Checking - Minimum deposit required to open account $25.00, No monthly service charge. Pay it Forward Checking does not earn divi-dends. Pay it Forward Savings currently earns 10% APY. Paper statements - $5.00 per month. Paper statements fee does not apply to those 0 to 23 using ION/CU Succeed Checking Accounts or those 70 years or older. See account disclosures and rates for more information. Account subject to approval.

FCACU FREE CHECKINGReward WE PAY YOU! YOU DON’T PAY US! Each time you use your debit card, for a cash purchase, or by withdrawing from your account at an ATM, we keep track of the amount of money that is used with your debit card during the month, and we pay you a cash back reward at the end of the month.

Pay it ForwardSPEND AND SAVE AT THE SAME TIME! Every time you use your debit card or write a check, the amount of the purchase is rounded up, deducted from the Pay it Forward Checking Account and put into a special high-yielding Pay it Forward Savings Account.

*Reward Checking - Minimum deposit required to open account $25.00, No monthly service charge, monthly cash back reward declared monthly. E-statements are required on this account. See account disclosures and rates for more information. Account subject to approval.*Pay it Forward Checking - Minimum deposit required to open account $25.00, No monthly service charge. Pay it Forward Checking does not earn divi-dends. Pay it Forward Savings currently earns 10% APY. Paper statements - $5.00 per month. Paper statements fee does not apply to those 0 to 23 using ION/CU Succeed Checking Accounts or those 70 years or older. See account disclosures and rates for more information. Account subject to approval.

South Branch Hours Mon-Fri 9 am - 12pm

Kelly Ingersoll, Advisory Director

Anthony Sanchez, Vice Chairman

Lloyd Johnson, Chairman Christie Fite, DirectorAnthony Sanchez, Vice Chairman Mark Sims, DirectorKelly Ingersoll, Secretary/Treasurer

PO Box 162539Fort Worth, TX 76161-2539

Start saving today with the Sprint Credit Union Member Discount.Visit www.lovemycreditunion.org/Sprint for more information

Introducing our DRIVE FORWARD Loan Program, powered by Spireon.DRIVE FORWARD auto loans designed to help you stay

on track with monthly payments, build and protect your credit and your car.DRIVE your CREDIT in the RIGHT DIRECTION with an auto loan from First Class American!

With DRIVE FORWARD loans you can get a great car, help build an EXCELLENT credit score, plus you can shop with confidence.

No cosigner necessary! Apply for a DRIVE FORWARD auto loan today.

Ask a First Class American Credit Union representative for more information!

DRIVE your CREDIT in the RIGHT DIRECTION!

ED DURIS SCHOLARSHIP High School Seniors Apply Here!Need money for college? Apply for an Ed Duris Scholarship

First Class American Credit Union is offering two $500 scholarships to be presented to two qualified, graduating high school seniors. The Ed Duris Scholarship Program is designated to assist those in need of money for college expenses. The scholarship will announced and recognized at our Annual Meeting, scheduled for March 17, 2016.

To apply for the scholarship, the eligible applicant must be a member of First Class American Credit Union. Visit our website, www.fcacu.org, for guidelines and application, or contact our office at 817-834-9777 to have an application forwarded to you. For additional information contact credit union CEO, Nancy Croix-Stroud.

Did U Know? At a GlanceDid U Know? At a GlanceDid U Know? At a GlanceDid U Know? At a GlanceBe vigilant and avoid fraud We must all be on guard to protect our personal information from fraud. Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. Your personal information can be stolen several dif-ferent ways including scams posing as a legitimate business person, financial institution or government official.

Please remember, First Class American Credit Union will not ask you for personal information in an email and we will not call you on the phone requesting personal information.

Be vigilant and avoid Fraud!

Access to your Credit Records First Class American Credit Union has board approved policies for the purpose of allowing members access to certain credit union records and procedures for such review. The complete policy is available upon request.

Credit Union members have access to the follow-ing records: • Articles of Incorporation • Bylaws • Guidelines • Rules • Board Policies • Summary of the most recent Annual Audit • Most recent statement of Financial Condition • IRS Form 990

The Board of Directors has elected to allow cop-ies of the above referenced records. Therefore, in order to allow access, members must notify the President of the Credit Union of his/her intent to access the above referenced records. Based on a mutually agreed time frame, the member may come into the Credit Union and review the above referenced records in an area that will allow pri-vacy, and then may address any portion of those said records with the President.

COMPLAINT NOTICE This credit union is incorporated under the laws of the State of Texas and under the state law is subject to regulatory oversight by the Texas Credit Union Department. If you have a dispute with First Class American Credit Union you should contact the credit union. If the dispute is not resolved to your satisfaction, you may file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means indicated below:Mail: Texas Credit Union Department 914 East Anderson Lane Austin, Texas 78752-1699 Phone -- (512) 837-9236 Fax -- (512) 832-0278 E-mail: complaints@tcud.state.tx.us Website: www.tcud.state.tx.us

Holiday ClosuresOctober 12- Columbus DayNovember 11- Veterans DayNovember 26- ThanksgivingDecember 24 – Open 9 a.m. to 1 p.m.December 25 –Christmas DayDecember 31 – Open 9 a.m. to 1 p.m. January 1- New Year’s Day

A Message from your Credit Union

www.fcacu.org

EMV Credit Cards, Explained The next generation of credit cards is upon us, and it will make your transactions safer than ever before.

These new cards come equipped with EMV chips, which are designed to make fraud more difficult. Already the standard in much of the world, this technology is finally arriving in the United States.

The key date is Oct. 1. That’s when a liability shift will make the party in a transaction with the lesser technology — either the card issuer or the merchant — responsible for instances of fraud at the point of sale. This means it’s in the interests of financial institutions that offer credit cards, such as First Class American Credit Union, to issue EMV-chip cards. As many as 600 million of them will be in Americans’ hands by the end of the year, according to the Smart Card Alliance. And it’s in the interests of businesses that accept plastic to update to EMV-chip card readers.

That said; don’t expect to see the technology everywhere, at least at first. Some card issuers will wait until old cards expire to issue EMV-compatible cards, and some retailers have said they won’t have the EMV card readers by October. Some business owners surveyed recently were not even aware of the liability shift. The Smart Card Alliance expects about half of U.S. merchants to be EMV-equipped by the deadline.

What makes EMV chip cards more secure?

The magnetic stripe on the back of a traditional credit card contains fixed data that can be used to produce a phony credit card and make fraudulent purchases.

With EMV — which stands for Europay, MasterCard and Visa, the companies that created the technology — a chip embedded in the card creates unique data for each individual purchase. Customers are also asked to verify EMV-card purchases with a signature or personal identification number (PIN).

In a way, gaining access to data from an EMV-chip card purchase might not be any more useful than finding an old receipt.

Still, an analysis on credit card fraud suggests that EMV chips will not be a cure-all. Hackers can still steal your information when the card isn’t present — for example, when you make online purchases or give out card details verbally. But if you’re vigilant in guarding your card information, the move to EMV technology will mean safer transactions.

Doug Gross, NerdWallet

2015 Nominating CommitteeThe 2015 Nominating Committee has been established to recommend candidates for avail-able positions on the credit union’s Board of Directors. Anthony Sanchez, Christi Fite, and Nancy Croix-Stroud were appointed to the Nominating Committee. If you are interested in serving on the Board you must complete the Director’s Applications and Agreement to Serve as required by state law. Applicants must also meet the following criteria:

1. Be a member of First Class American Credit Union.

2. Be of legal age.

3. Be bondable.

4. Have not defaulted on payment of a voluntary obligation to the Credit Union and have otherwise caused the credit union to incur a financial loss.

Members seeking consideration for nomination by the Nominating Committee must submit a personal resume and a completed and signed office Director Application and Agreement to Serve Form. Official Director Application Agreement to Serve Forms may be obtained by contacting the credit union President at the credit union office which is located at 2595 Polaris Dr., Fort Worth, TX. 76137 between the hours of 9:00 a.m. and 4:00 p.m. Monday through Friday. The deadline to apply to be considered by the Nominating Committee for nomination is November 15, 2015.

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