Safe Deposit Boxes
Safe deposit boxes offer a secure and safe place for members to store valuables and important documents.
Safe deposit boxes are:
- Secure (fireproof)
- Confidential
- Monday-Friday access
- Available in a variety of sizes
- Minimal costs to members
- All boxes are 2 1/2 feet deep
A 3×5 box is $20 a year
A 3×10 boxes is $25 a year
A 5×10 boxes is $35 a year
A 10×10 box is $55 a year
The box fee is automatically deducted from the member’s savings account every March 31. Waiting lists are in place for some boxes, and are available at all NCCU locations. For more information, call 547-1200.
Identity Theft Protection
ID Safe Choice
Think you don’t need identity theft protection? Think again.
Identity theft is consistently the number one complaint to the Federal Trade Commission. Rampant data breaches, affecting millions of records, are putting consumers at great risk of identity theft. It can happen to anyone – regardless of your age and income, where you live or how careful you are.
Restoring your identity on your own can be time-consuming and stressful. After a while, some people give up, leaving them to contend with the aftermath of identity theft for years to come, including fraudulent bills, collections activity, damaged credit and even criminal records.
Northeast Community Credit Union is delighted to provide identity theft detection and recovery services to our members with checking accounts.
We have partnered with one of the nation’s most trusted names in identity theft protection to provide you with access to a comprehensive suite of services to address fraud caused by identity theft if it happens to you or your family members.
Covered account services include:
Fully Managed Identity Fraud Research, Remediation and Recovery – a professional certified and licensed Recovery Advocate will work on your behalf to restore your identity to pre-event status for identity fraud you might experience or suspect. Click here for complete Terms and Conditions.
If you become a victim or suspect you might be a victim of identity theft for any reason, simply let us know. You do not have to confirm identity fraud before seeking assistance. We will put you in touch with a professional Recovery Advocate who, depending on your identity theft, will:
- Perform research to determine the extent of the problem, including a review of all three credit reports (if appropriate)
- Assist with the placement of fraud alerts with the three major credit bureaus
- Write letters/make calls on your behalf to dispute fraudulent information
- Coordinate with the government agencies, financial institutions, creditors, etc. to resolve incidents
- Work with law enforcement to help arrest and prosecute the criminals.
- Follow up for 12 months after recovery
This service covers nearly all types of identity fraud, even if it is not related to your account(s) with Northeast Community Credit Union! Types of identity fraud covered include: identity theft related to credit/debit cards, tax fraud, employment fraud, government documents and benefits fraud, medical fraud, and any other type of identity theft fraud recognized by the Federal Trade Commission. Please refer to Terms and Conditions for details.
Lost Document Replacement – this service provides personalized one-on-one assistance to replace identity credential documents that have been lost, stolen or destroyed in connection with your identity fraud event. If any of your documents were lost, stolen or destroyed as a result of an identity theft incident or information compromise, let us know and we will refer you to a professional Recovery Advocate who will work with you to replace the missing documents, including credit cards. Your Recovery Advocate will work with you to contact creditors, cancel the compromised information, and obtain replacement documents.
Identity Theft Expense Reimbursement Insurance – up to $10,000* – you may receive reimbursement for out of pocket expenses incurred during the identity recovery process up to the program limit, including reimbursement for lost wages, attorney’s fees, and other expenses. Click here for Evidence of Coverage.
ID Safe Choice is a service offered to our members to help protect them and their finances. If a compromised debit or credit card is involved and you have allowed others access to your card information, the coverage will not be in effect as this is considered failure to safeguard card information which violates the terms of the insuring policy.
Visit or call your credit union to sign up for the ID Safe Choice program with a small monthly fee of $2.
* Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitation of coverage. Coverage is currently no available in NY and may not be available in other U.S. territories or jurisdictions in the future.
Visa Account Updater
Visa Account Updater (VAU) enables the exchange of updated account information electronically among participating issuers, acquirers and merchants that process account-on-file Visa transactions. These merchants include recurring and auto bill payment providers, subscription services, certain online merchants, and preferred customer travel and entertainment programs.
Issuers provide Visa with changes to account numbers and expiration dates, resulting from business situations such as product upgrades, acquisitions and mergers, and account closures.
Participating merchants update their customer databases with refreshed account data before transactions are authorized – avoiding potential declines, streamlining the authorization process, reducing costs and saving valuable time.
What it does?
- Helps merchants update their account-on-file information
- Provides an automated, dedicated, secure clearinghouse for easy access to this information.
- Makes changes to cardholder account information available in a timely, efficient, and cost effective manner.
- Supports multiple updates to a single Visa account.
- Allows issuers to block updates to selected participating merchants.
Benefits Overview
Consumer
- Offers a seamless account update process
- Helps provide uninterrupted service
- Reduces negative experience causes by unnecessary declines.
Issuer
- Maintains continuity of payment relationships with the cardholder by helping maintain accounts when information changes.
- Helps retain customers because payments are more convenient.
- Improved customer service.
For more information:
Contact your Visa Account Executive; or call Visa Customer Service at 1-888-847-2242; or email the Visa Account Updater Product Office at updater@visa.com.
To opt out of the Visa Account Updater, click here.