In our continuing efforts to keep your accounts secure, we’ve improved our alert system for potential fraud.

Here’s how it works:

1. When potential fraud is detected, you will receive an automatic email notification from ELGA Credit Union, with the option to reply with “fraud” or “no fraud.”
2. One minute after the email, you will receive a text alert from 32874 between 7am and 9pm, which also has the “fraud” or “no fraud” option. (*SEE BELOW)
3. If there is no response received from you, five minutes after the text alert, you will receive automatic phone calls to confirm or deny fraud.

Remember – our messages will never ask for your PIN or account number.

*The phone number for our Fraud Center has changed to 1-800-417-4592. If you add this number to your phone contacts and label it “ELGA Fraud Center,” it will display whenever you get a call from this number.

Please take this time to update your phone number and email with us to ensure you are getting these important fraud messages.

As a special thank you for signing up for the ELGA Alerts blog we want you to be the very first to get access to the New XpressLink Mobile Banking App.

New! -Remote Deposit (deposit checks from your phone!)
New! -Pay Anyone through PayPal from the app
New! -ELGA Credit and Debit Card controls

The new app was just released to the App Store and Google Play and we wanted to tell you about it before we start notifying the rest of the membership. We really think you are going to love the new features such as Mobile Check Deposit and Card Controls. There is also a new feature where you can pay anyone through Paypal!

To get started: visit the app store and download the new ELGA Credit Union app! Just search XpressLink. If you have our old app, please delete it. It will no longer work after the end of October.

If you have never used any of our XpressLink services you will first need to sign up for XpressLink Internet Banking at www.ELGACU.com and set up XpressLink login information. You will set up your information there to log into the XpressLink Mobile app.

Thank you for letting us share this news with you early.

We love your feedback! Tell us what you think? Email us at Programs@ELGACU.com

-Your ELGA Marketing Team

The parking lot at our Burton location will be closed for resurfacing at 1:00 pm on Saturday, October 10. The ATMs at this location will not be accessible during the resurfacing. We will reopen the lot on Tuesday, October 13.

We appreciate your patience while we improve our parking area.

For your convenience, please remember that you can use any ATM in the Co-Op Network fee free. The link below will allow you to search for fee free ATMs from your computer or any mobile device.

Co-Op ATM Locator – Click Here

ELGA Credit Union has been working diligently to bring our members EMV enabled credit and debit cards. Before we start replacing old cards with these new cards, we want to make sure that our current cardholders know that nothing changes with how you are covered for fraud.

Why we are doing this?
In an effort to reduce fraud in the payment system, there will be a change to liability rules in October 2015. These new rules do not affect cardholders, and will primarily affect card issuers and merchants. With these new rules, responsibility for counterfeit card fraud will shift the burden to the party using the least secure technology. This would be either the card issuer or the merchant. If both or neither parties have adopted chip technology, the liability stays the same as it is today; liability falls to the card issuer.

The most important thing to remember is that for you, the cardholder, your liability isn’t changing at all, you will still have zero fraud liability on your Visa cards. The big difference is that more merchants will have EMV compatible card readers and more card issuers will be issuing (or reissuing) cards that come with an EMV chip to reduce their own liability.

ELGA wants you to feel free to use your card with complete confidence. In the unlikely event that fraud occurs, Visa’s Zero Liability policy means you won’t be held responsible for fraudulent charges made with your card or account information. You must still notify us promptly of any unauthorized use.

What is EMV?
EMV cards (named for the original developers of the chip technology: Europay, MasterCard® and Visa®), are cards with a microchip. This feature makes it more difficult to copy and reproduce payment information than cards with only a traditional magnetic stripe technology. Traditional magnetic stripe cards store static data, which can easily be used to create a counterfeit copy of the card.

Chip-enabled cards are inserted into a card reader and held there during the transaction, rather than swiped. The embedded microchip creates dynamic data unique to each transaction. This data is then verified by the seller’s chip-enabled card reader to ensure authenticity.

ELGA Credit Union and other financial institutions will be reissuing chip cards to replace their current credit and debit cards gradually over the next year. The new card will have the EMV chip visible on the card. The magnetic stripe on the back of the card ensures that the card is still usable at merchants without upgraded payment technology. If the merchant doesn’t have a chip reader, or if it isn’t yet enabled, simply swipe your card as usual.

Make sure you subscribe to the ELGA Alerts Blog to get our important member messages delivered straight to your inbox. Instructions for subscribing are in the Subscribe Here box on this page.

Bill Pay Users: Scheduled downtime will occur beginning 11:00 P.M. ET on Saturday, May 16 and will not exceed beyond 11:00 A.M. ET on Sunday, May 17

During most of this downtime, users will see messages alerting them that the Bill Pay sites are down for maintenance.  There may also be a brief period where these messages will not be presented.

ELGA has been notified by VISA that approximately 5800 ELGA debit cards have been part of a recent merchant card compromise.  Those cards may be vulnerable to fraudulant activity.  Emails were sent out last night to all cardholders whose card was part of this compromise.  Mailed letters have been sent to members that we do not have an email address for.  Reissuing a card is always the best way to prevent  account(s) from being negatively affected by a compromise.  Therefore, we have taken immediate action to protect our members by reissuing new debit cards. 

Important information for members whose card information has been compromised
Arrival of your new card
A new ELGA debit card has been issued for you and should arrive via US mail in 7 to 10 business days. You will be issued a new Personal Identification Number (PIN), which will be sent to you shortly after you receive your new card.

Status of your existing card
Your existing debit card will be canceled on September 24th, 2014 to prevent unauthorized use.  If you would like to close your card immediately, please call customer service at (810)715-3542.

How to help protect your own account(s)
If you have any recurring payments that are charged to your debit card, you will need to notify those merchants of the change in your debit card number.  Examples of recurring payments include utility payments, memberships, subscriptions, etc.

Please continue to monitor your monthly account statements for any unauthorized transactions.  If you notice fraudulent activity on your statement please notify us immediately at (810)715-3542.

We sincerely apologize for any inconvenience these preemptive measures may cause you.

Thank you for your cooperation.

Effective 8-1-2014: if you perform a cross-border transaction (any transaction where the issuer country is different from the merchant country) with your debit or credit card you may have a Visa International Service Assessment, or ‘ISA’ fee.

The International Service Assessment (ISA) is an international transaction fee that Visa charges on all international transactions. The ISA Fee is 1% for transactions that require currency conversion, or 0.8% of the transaction amount if no currency conversion is required.

This is not an ELGA fee.

As you may know, Microsoft discontinued support of its Windows XP operating system on April 8, 2014. As Windows XP users weren’t able to upgrade beyond IE8, XpressLink had maintained support of this browser version in a limited capacity over the past year. IE8 users experiencing difficulty with XpressLink were instructed to download an alternate browser, such as Chrome or Firefox, to resolve their issues.

With the official discontinuation of XP, there will be no future security patches available from Microsoft, and therefore users on the operating system will be subject to vulnerabilities. In conjunction with Microsoft’s Windows XP support sunset, our provider’s support of IE8 for XpressLink Online Banking will cease following the weekly release on Thursday, June 26, 2014.

What will I experience if I log in to XpressLink using IE8 after June 26?
You will still be able to log in to NetTeller. You may experience limited functionality or a visibly altered user interface, as XpressLink will no longer be coding for or introducing fixes for IE8. You will need to upgrade or switch to a supported browser in order to use XpressLink in its optimal format.

What is a Supported Browser?
Internet Solutions only develops new functionality or implements fixed for supported browsers. Reference the Supported Browsers Page (link) for an up-to-date list of supported XpressLink browser and to download one. This page is kept updated by NetTeller for use on XpressLink.

How do I check what version I have?
1.     Open Internet Explorer
2.     Click the Tools button (or click Help in the Menu bar)
3.     Click About Internet Explorer.

or click here: http://windows.microsoft.com/en-us/internet-explorer/which-version-am-i-using

How do I get the latest version of Internet Explorer?
Make sure you’ve always got the latest version of Internet Explorer for your operating system by turning on automatic upgrades. You’ll get updates to Internet Explorer through Windows Update, including upgrades to the latest version.

To turn on automatic upgrades
1.       Open Internet Explorer.
2.       Click the Tools button (or click Help in the Menu bar), and then click About Internet Explorer.
3.       Select the Install new versions automatically check box, and then click OK.

Due to an enormous amount of fraud coming from Georgia due to the Target breach, our debit card provider put a block on all signature-based transactions in the state of Georgia.

This will not block any PIN transactions.

We will keep you updated as the block is refined.

Due to an incredible amount of fraud posting from Google Play, a block has been placed on debit card transactions totaling $25.00 or more for this merchant.   As most normal, legit transactions for Google Play are $1-$5.00 this should not affect many member transactions.

This block is for debit cards only.

As always, if you are experiencing problems, please call (810) 715-3542 and we will be glad to assist you.