TACU ANNIVERSARIES

These TACU employees will celebrate

their work anniversaries in July:

Sherrie T. (New Accounts) 2 years Jayme A. (Head of Accounting) 12 years

FOLLOW US ON FACEBOOK!

TACU has a Facebook page! Check it out regularly for fun ways

to be smart with your money!

NO SURCHARGES!

Find fee free ATMs by using www.allianceone.coop

to find compatible ATM machines in your area.

Try to make deposits before the credit union closes to avoid

over-drafting your account. Remember that any deposits placed in the

night deposit box have until 10 am the next business day to be pro-

cessed.

Take this into account:

6:00 pm- You deposit your $500 paycheck in the TACU night deposit

box. You only have $15 in your account.

10:23 pm-You make an electronic withdrawal to pay your water bill

using Bill Pay. Your bill costs $28. You make the payment

assuming the night deposit payment will go through before

the bill payment.

3:22 am– The bill payment goes through, causing your account to

overdraft and you incur fees.

9:55 am– The paycheck placed in the night deposit box goes through,

but it is too late… you already over-drafted from your

account.

Night Deposit Box Reminder

Get the Low-Down

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boat for relaxing on the lake, we can help with all your recreational needs by offering low

rates with low down payments.

Avoid the rough waters of a high-interest loan. Come see us today.

3.75% Rates as low as:

APR*

*Rates are subject to change at any time so be sure to get your loan while the rates are low! Your rate may vary based on credit score and other factors.

EXPRESS B e c a u s e t i m e i s m o n e y

T A C U C r e d i t U n i o n l J u n e 2 0 1 1 I s s u e

T A C U C r e d i t U n i o n l J u n e 2 0 1 1 I s s u e

940 North Superior Avenue PO Box 940 Tomah, WI 54660 Ph: 608.372.4736 Fax: 608.372.4394

www.tacuonline.com

ATM & Debit Card Safety

Your Visa Debit/ATM Card is a simple, hassle-free way

to get cash, make deposits, transfer funds, make purchases and more.

To enjoy the many conveniences online banking offers,

you should make ATM/debit card safety a priority. Here are some important safety tips.

ATM/Debit Card Safety

Always keep your card in a safe place.

Keep your PIN a secret. Memorize your pin.

Never write your PIN on your card or store your PIN with your card. Never let someone else enter your

pin for you.

Do not give card information out over the

phone. Never give out your PIN. No company or individual needs to know your PIN, not even TACU.

Never disclose information about your card in

response to an unsolicited email or request.

Email is a common channel for fraud perpetration.

Never provide your debit or credit card information, PIN or any other non-public personal information to

any entity in response to an unsolicited email or request.

Make certain your internet shopping sites are

secure. Look for secure transaction symbols when

shopping online to ensure your account information

is protected. Always log off from any site after you make a purchase. (see sidebar)

Protect your card’s magnetic strip. Do not

expose your card’s magnetic strip to magnetic

objects—it can damage the card.

If your card becomes lost or stolen report it

immediately to TACU. Prompt action will limit potential liability for unauthorized transactions.

Review your account statements for

unauthorized transactions. Report any errors as soon as possible to limit your potential liability.

Debit Card PIN Security

Never allow the cashier or any other person to enter

your PIN for you, even if they are assisting you with the transaction.

Block the view of others when using a PIN debit

terminal.

Be certain the transaction is complete and review

your receipt before leaving.

ATM Safety

Observe the ATM surroundings before

conducting a transaction. If you drive to an ATM, park as close as possible to the terminal.

Keep your car doors locked. Leave immediately if anything appears suspicious.

If the ATM is poorly lit or hidden from view

go to another ATM.

If you need to use an ATM at night, try and

take another person with you.

Keep the time you spend at the ATM to a

minimum. Have your card out and ready to use. Do not allow a stranger to assist you with your

transaction, even if you have trouble or your card gets stuck. When your transaction is complete, put

your card and money away and immediately leave

the area. Never count your money while at the ATM.

Block the view of others when using the ATM.

Stand between the ATM and anyone waiting to use

the terminal. Shield the keypad when you enter your PIN and transaction amount.

If you see anyone or anything suspicious,

cancel your transaction and leave the area

right away. Go to a well-lit area and call the police

immediately. Look for possible fraudulent devices attached to the ATM. Check for any attachments or

alterations to the card slot or keypad and if there are, DO NOT USE THE ATM, if possible call the

financial institution that operates the ATM.

These signals indicate that you have

entered a secure Web page:

A screen notice that says you are visiting a

secure site.

A closed lock or unbroken key in the bottom

corner of your screen.

The first letters of the internet address you

are viewing change from “http” to “https”.

Example:

http://www.ebay.com/

https://www.paypal.com/cgi-bin/webscr?cmd

T A C U C r e d i t U n i o n l J u n e 2 0 1 1 I s s u e

940 North Superior Avenue PO Box 940 Tomah, WI 54660 Ph: 608.372.4736 Fax: 608.372.4394

www.tacuonline.com

We are living in a world of change. The weather changes, our jobs

change, and our lives change.

For families, these life changes include having children, and getting

married, divorced, and remarried. Moving, deployment, gradu-ation, death and other life transitions are often accompanied by

financial changes. Life changes require more than an emotional adjustment--they require a visit to TACU Credit Union. Let us help

you with these changes.

Loss of income-Changes on your payroll card or automatic

transfers

Marriage/Divorce-Name change, change of beneficiaries, change

of assets

Birth-Custodial accounts, education club, education IRAs

Death-Change of beneficiaries, adding a new member to your account

Whether it is helping you to set up your own account after a divorce or death and determining where you stand financially or

updating and adding beneficiaries, including your IRAs and other investments we can help. Contact TACU Credit Union staff to get

started today.

Visit Us When Life Changes

940 North Superior Avenue PO Box 940 Tomah, WI 54660 Ph: 608.372.4736 Fax: 608.372.4394

www.tacuonline.com

T A C U C r e d i t U n i o n l J u n e 2 0 1 1 I s s u e

Whether you are heading out on a road trip or getting on a plane,

here are 5 tips for smart traveling this summer:

1. Alert us and your credit card company if you are traveling

(especially overseas). Fraud departments are becoming more

vigilant about unusual activity on credit cards. If they see

transactions being done in a foreign place, the company may

freeze your account while on vacation.

2. Hold the mail. Ask someone you trust to collect your mail every

day or have the post office temporarily stop delivery.

Accumulating mail is a green light for identity thieves.

3. Don’t announce your vacation on Facebook. If you choose

to, keep it vague. Don’t give exact dates. If you do, you are

practically giving an open invitation to thieves.

4. Protect your wallet. Many pickpockets target tourist areas, so

never carry your social security number with you and carry only

credit and debit cards. Be sure to make copies of all important

documents and store them in the hotel safe.

5. Be careful with ATMs. To avoid illicit card readers capturing pin

numbers and other sensitive information, use ATMs at credit

union or bank branches while traveling.

Anna Wargowsky of Necedah was recently selected for a $1,000 scholarship

by TACU Credit Union.

Anna Wargowsky graduated as salutatorian of her class at Necedah High

School in May. In addition to maintaining top grades, she participated in

band, volleyball, track and many other extracurricular activities. She plans

to attend University of Wisconsin- Stevens Point to study Health

Promotion and Wellness. Anna Wargowsky is the daughter of Larry and

Jean Wargowsky.

The TACU volunteer board of directors selects the scholarship winner every

year based on academic achievement, extracurricular involvement and

financial need. The TACU scholarship program is in place to provide

college-bound credit union members with an opportunity to attend college.

Federally Insured by NCUA up to $250,000

Equal Housing Lender www.tacuonline.com

Anna Wargowsky of Necedah wins TACU Scholarship

Travel Smart This Summer Follow These Tips to Stay Safe