Remote Control for Your Account
Financial Plus Federal Credit Union has the ways for you to access and control your account whenever and wherever you want.
We offer the tools for you to control your Financial Plus Federal Credit Union account without having to come to the credit union. With our Remote Control tools, you can handle many of your inquiries and transactions at your convenience ... without coming to the credit union.
 Touch Tone Teller
Get account balances, account histories and other account information by calling Touch Tone Teller. You can also perform transactions, like transfers and loan payments. Use Touch Tone Teller 24 hours a day, 7 days a week.
 Call Center
Many member inquiries and transactions can be completed by calling the credit union during business hours. Loan applications can even be initiated with a simple telephone call. Just call Financial Plus Federal Credit Union at our local or nation-wide toll-free telephone number.
 ATM and Debit Card
Our ATM Card can be used at ATMs and merchants accepting POS transactions. You can withdraw cash, make deposits, and get account information. With our MoneyKey ATM/Check Card (debit card), you can also use the card to make purchases at merchants that accept VISA (the funds are withdrawn from your checking account).
 Home Financial Services
Access your Financial Plus account via the internet to get account balances and up to 90 days of account history. You can transfer funds within your account or to another Financial Plus account. You can even apply for loans via the internet.
Now you can get your monthly credit union statement electronically. This means no more waiting for the statement to arrive in the mail.
For more information about our remote services – Touch Tone Teller, an ATM or Debit card, Home Financial Services, or E-Statements – contact the credit union today.
Protect Yourself ... IDENTITY THEFT
 Identity theft has received much attention recently in the media. This is a serious and growing type of crime. Identity theft takes many forms, but basically, the thieves obtain personal information such as social security numbers, drivers license numbers, credit card numbers and even birth certificates and passports. Accounts are opened in the victim’s name for credit cards and loans with the mail diverted to a different address.
It could take months or years to learn that you are a victim of identity theft. By then your credit history and credit rating can be ruined, and creditors could be pursuing you for debts created by others. Below are tips to protect you from becoming a victim of identity theft and tips if you are a victim.
How To Guard Against Identity Theft - Remove mail promptly from your mailbox. Never use your mailbox for outgoing mail. Identity thieves raid mailboxes to steal credit card offers and financial statements.
- Guard your social security number. Do not give out personal information like PIN or credit card numbers over the phone or the internet unless you initiated the transaction. Identity thieves often call you posing as an internet provider or credit card company to gain knowledge of your accounts.
- Be very careful with receipts. Make sure you have them when you leave the store or ATM and do not throw them into a public trash can. Thieves use the receipts to access your account.
- Review your credit report from time to time. For a nominal fee, the credit bureau will give you a copy to review. The major credit bureaus are listed below.
- Destroy pre-approved credit card offers before you throw them out. A home shredder is the best thing to use on financial statements, receipts and other financial documents you are discarding.
- Account for all new checkbooks when you receive them in the mail. If any are missing, report stolen checks immediately. Keep new checks and other financial documents in a safe place.
- Block your ATM transaction with your body. Keep the keyboard from view and prevent someone from learning your personal identification number (PIN).
- Commit all passwords and PINs to memory. The less you have on paper the less likely it is that someone will learn these numbers.
- Be creative when you select a password or PIN. Don’t be obvious like using the last four digits of your social security number, address, birth date or any format that could easily be decoded or guessed.
What To Do If You Are a Victim of Identity Theft - Contact the credit union and other financial institutions and credit card companies.
- Call the three major credit bureaus to tell them your identity has been stolen. Request that a “fraud alert” be placed on your file and that no new credit be granted without your approval.
EQUIFAX: 800-685-1111 • EXPERIAN: 800-632-1765 • TRANS UNION: 800-916-8800 - Call the Social Security Fraud Hotline: 800-269-0271.
- Contact the Federal Trade Commission (FTC) theft hotline: 877-438-4338. Visit the FTC web site for more information on indentity theft at www.consumer.gov/idtheft .
- You should not only file a report with the police, but also get a copy of the report in case you need proof of the crime later for credit card companies and other creditors.
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Avoid ATM Surcharges
 Use our ATM Guide for no-surcharge ATM locations in the greater Flint area. There are also links to ATM search engines for the Michigan.
Just Say "Credit"
When using your Financial Plus Federal
Credit Union MoneyKey ATM/Check (DEBIT)
Card, route your transaction through the VISA
network by pushing the "credit" button.
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Electronic Statements