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  • 1. Important information regarding your ATM/Debit Cards Views: 166 Featured Content
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    Important Information Regarding your ATM/Debit Card Due to our recent ATM/Debit Card upgrade, some of you may experience a decline when using your card with a PIN (Personal Identification Number). This will most likely happen if in the past you came into one of our branches and chose a personal PIN. This does not apply to all cards. We have a solution to that problem and, going forward if you would like to change your existing PIN for any reason, you may do so by calling 866-985-2273 see b  More...
  • 2. Do you have any information about security, Online Shopping, ATM safety, Banking Myths, Home Firewalls, Home Computer Tips, Secure Transactions, Online Fraud, Passwords, Viruses/Worms, Trojans & Spyware, Child Safety Online, Wireless Security, Keylogging, Vishing, Botnets, Old Computer Disposal, Social Networking, VoP Security, Identity Theft? Views: 159 Featured Content
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    Yes, For information on information about security, Online Shopping, ATM safety, Branking Myths, Home Firewalls, Home Computer Tips, Secure Transactions, Online Fraud, Passwords, Viruses/Worms, Trojans Spyware, Child Safety Online, Wireless Security, Keylogging, Vishing, Botnets, Old Computer Disposal, Social Networking, VoP Security or Identity Theft, please visit our Digital Defence Site at https://team.ddifrontline.com/index.php?var=c583f97b7c1980e7ffe4d67196729d90 page=0 # n or   More...
  • 3. How can I Opt-in for Overdraft Privilege? Views: 177 Featured Content
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    Reg E, Opting Into Overdraft Privilege OVERDRAWN? We’ll stand behind it. But first, you MUST “OPT IN.” Overdrafts can happen to the best of us! That’s why at LA Financial Credit Union, we provide Overdraft Privilege—to cover those “little mistakes,” whether you pay by check or VISA® Debit Card. But the law has changed. And now, you must first request Overdraft Privilege in order to receive or continue this service on ATM or everyday VISA® Debit C  More...
  • 4. Can I get a credit report for free? Views: 398 Featured Content
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    Terms of Use Credit reports contain a wealth of information about your credit history. Consumers now can get a free copy of their credit report. It's important to review your credit report at least annually to ensure it is accurate and that you have not become a victim of identity fraud. A study by U.S. Public Interest Research Group found that one in four credit reports contains errors serious enough to cause consumers to be denied credit, a loan, an apartment or or even a job. Some of th  More...
  • 5. What are my options for contacting LA Financial Credit Union and Havasu Community Credit Union? Views: 259 Featured Content
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    Below are the various ways that you can contact LA Financial Credit Union and Havasu Community Credit Union: Ask us a question online! Visit us in person at a branch near you! Call us: 1-800-894-1200 or (626) 792-7441 fze1 Mailing Address contact us email
  • 6. What is anytimeAnswers? Views: 223 Featured Content
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    anytimeAnswers provides you with a central place to find answers to your questions online 7x24. Can't find what your looking for? No problem, you are able to securely ask your questions online using the ask a question link and we will get your answer back to you securely online within 6 business hours! Search Q As : Quickly search our continually updated knowledge base to get answers to your questions and set bookmarks on information you want to get back to quickly. Ask a Question: Ask   More...
  • 7. We now log into anytimeBanking from the home page. Is this a secure site? Views: 195 Featured Content
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    Yes. When you see any page on your computer, you are actually viewing information that has been downloaded onto your computer and this is the same no matter if the page is http or https . With our anytimeBanking log-in, the instant you click on the Sign-on button, a secure connection is established and the user ID and password are encrypted using Secure Sockets Layer (SSL) technology. This is the same technology that is used at all of the major banks (Bank of America, Wamu, Chase, etc.)
  • 8. How do I login to anytimeBanking for the first time? Views: 191 Featured Content
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    Important Message Regarding Your Account Access! If you are logging in for the first time, you will need to call the CU (800) 894-1200 for a temporary password. Please take the time to familiarize yourself with the new anytimeBanking features by clicking on the Try the anytimeBanking demo link on the top navigation bar of the log-in screen. We think that you will enjoy the new features available in our new and improved versions of Touch Teller and anytimeBanking. If you have any additional   More...
  • 9. I am suspicious of a request for "security key" information when I tried to access my bill payer account. This has never happened before and I thought it might be an attempt at fraud. Views: 189 Featured Content
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    It's great that you were cautious of this new procedure because the request is legitimate. For added security measures, Bill pay subscribers will be prompted to enter a security key. They will be directed to a page inside the billpay site upon completion of normal login procedure. This screen will explain what we are requesting and why. This will be the only time they will ever have to enter this security key. Normal procedures for login will resume upon attempts after initial login. This is not  More...
  • 10. Do you have a mobile App for iPhone, android or blackberry? Views: 188 Featured Content
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    anytimeMobile (Mobile Banking) LA Financial’s anytimeMobile (Mobile Banking) is like having the convenience and security of anytimeBanking in the palm of your hand. As long as you're an active anytimeBanking user and have a Smartphone with Internet access, you can view your accounts and make transactions. You can also use the service through a handy App for your iPhone or Android phone. It goes with you anyTime, anyPlace, anyWhere! Here's what you can do with anytimeMobile: Make Ba  More...
  • 11. What is ATM PIN reversal? Will this technique call the police in case of an emergency? Views: 171 Featured Content
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    The internet can often quickly spread urban myth stories but few stories gain such rapid appeal with so many potentially negative impacts on cardholder safety and confidence as the misleading stories circulating the internet regarding PIN reversal to signal duress. PIN reversal technology is a concept based upon the possibility that a cardholder could remember (and reverse) his or her PIN at an ATM to draw attention to a dangerous situation like a kidnapping or a robbery. Critics say that it i  More...
  • 12. Do you have contact numbers for your VISA Credit and VISA Debit cards? Views: 132 Featured Content
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    VISA Debit Customer service, lost/stolen card or fraud calls - 866-820-8856 VISA Debit Activate - 866-985-2273 VISA Debit Change PIN 866-985-2273 VISA Credit Activate - 800-631-3197 VISA Credit LOST OR STOLEN CARDS – 800-449-7728 VISA Benefits 800-VISA-911
  • 13. Are my accounts insured? Views: 128 Featured Content
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    You Are Secure With LA Financial Credit Union LA Financial Credit Union is safe, secure and stronger than ever. LA Financial prides itself on being highly prudent and responsible with our members’ money. Furthermore, we have very stringent loan underwriting standards and we have never engaged in risky lending or depository practices. At LA Financial, your savings are insured by the National Credit Union Administration (NCUA) up to $250,000 per qualifying account and backed by the full fait  More...
  • 14. What is the maximum I can withdraw from the ATM? Views: 125 Featured Content
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    The maximum that any member can withdraw is $500. However, there are certain circumstances, such as an emergency, that will allow a member to request a one-time withdrawal of a higher desired amount.
  • 15. Can I see my closed accounts and loans on anytimeBanking? Views: 104 Featured Content
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    For members who closed their accounts or loans prior to our 11/1/04 conversion, anytimeBanking will only show open accounts. If an account or loan was closed after conversion, it will generally show. To remove an account from your view, click Remove Account, select the account you wish to remove, and click Continue.
  • 16. I received some mail from you and I do not even have an account. Can you remove me from your mailing list? Views: 101 Featured Content
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    We have had a few requests from non-members to remove their name from our mailing list. We have no way of doing this. We purchase names from direct mail marketing firms. These files contain names of potential members living within 3 - 5 miles of our branches. If a person does not want to receive any of these kinds of offers, they can register with the DMA (Direct Marketing Association www.dmaconsumers.org ) If a member wants to Opt-out of pre-screened credit offers and insurance offers they ar  More...
  • 17. Why are you charging an overdraft transfer fee? Views: 99 Featured Content
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    Our overdraft transfer fee is charged whenever your overdraft source (other account or line of credit) is used to cover a transaction (check, debit, ACH or ATM). You can avoid the fee by making the transfer yourself through anytimeBanking or TouchTeller before the item is presented for payment. You can view our fee schedule ,here. overdraft protection, overdraft
  • 18. What is the Temporary NCUA Insurance Coverage For Transaction Accounts? Views: 99 Featured Content
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    NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a ‘‘noninterest-bearing transaction account’’ are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA’s general share insurance rules. The term ‘‘noninterest-bearing transaction account&r  More...
  • 19. I received a letter from the credit union asking me to verify account information. Is this legit? Views: 98 Featured Content
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    Yes. We have contracted with MCGladrey Pullen , LLP to contact a sample of our members to confirm the accuracy of their account balances. This process is required by our auditors and our regulators. It is one of many internal control processes followed by the credit union to enhance the accuracy and reliability of our financial reporting systems which ultimately protect you, our member. If you were selected in the sample, you will receive a letter from the credit union with detailed instructi  More...
  • 20. Could you tell me when my credit card info will be available on anytimeBanking? Views: 87 Featured Content
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    anytimeBanking now contains integrated VISA Credit Card information, eliminating the need for our anytimeVISA product. Directly from your anytimeBanking session, you will be able to make VISA credit card payments and view: • balances • transactions • due date • payment amount • available credit limit • transaction history
  • 21. What's the difference between Dividend Rate and APY? Views: 2027
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    Dividend Rate is simple interest without compounding. For example, $10,000 @ 6.00 Dividend Rate for 2 years will produce $600 of interest per year (or $300 semi-annually, or $150 quarterly, or $50 monthly). APY (Annual Percentage Yield) is compounded interest (usually daily or monthly) calculated for 1 year (even if the term is shorter or longer ). For example, $10,000 @ 6.00 Dividend Rate for 2 years compounded monthly, produces a 6.17 APY which returns a total of $11,272.07 after 2 years. Some  More...
  • 22. How do I transfer my IRA from one financial institution to another? Views: 603
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    Terms of Use A rollover is when you withdraw funds from an IRA or plan and contribute those funds to the same or another IRA or plan. A trustee-to-trustee transfer (often called a direct transfer or direct rollover) is when you never receive the IRA or plan funds. They are transferred directly from one financial institution to another without you ever touching the money. The general rule is that when you take a distribution from an IRA (or other tax-deferred retirement account) that you in  More...
  • 23. What does aggregate deposit/loan balance mean? Views: 455
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    It is the combined total of all account or loan relationships with the credit union. If you have a $2000 VISA balance and a $3000 Secondary Savings Account balance, your aggregate balance is $2000 + $3000 = $5000.
  • 24. What is a mutual fund? Views: 398
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    Terms of Use: A mutual fund is created when a company brings together money from many people and invests it in stocks, bonds, or other securities. The advantage of investing in a mutual fund is that your investment is diversified among stocks and possibly bonds of several different companies depending on the type of mutual fund. Several companies offer different types of mutual funds. Investors in mutual funds buy shares in the mutual fund at the Net Asset Value (NAV) of the fund plus any s  More...
  • 25. How can I see my credit report? Views: 392
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    Terms of Use There are three major credit reporting companies: Equifax , Experian , and TransUnion . Obtaining your credit report is as easy as calling or going to the internet and requesting one. It's a good idea to get copies from all three companies to ensure there are no mistakes since any of the three could be providing a report to your lender. Fees, ranging from $5-$20, may be charged to issue credit reports but some states permit citizens to acquire a free one (see related links). ?On  More...
All information provided through this site is intended to be accurate. However, there may be inaccuracies at times, which we will make every attempt to correct when found. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.