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With the U Choose Rewards program, you earn points every time you
swipe your APEX debit card - as a credit transaction with your
signature. When you've gained enough points, it's time to go shopping!
Here are some U Choose Rewards Quick Facts:
How do I enroll? You are already enrolled! If you have an APEX debit
card, you have been automatically signed up to take advantage of this
program.
How much does it cost to participate? U Choose Rewards is
completely and absolutely free! You
swipe, you earn, you redeem - it's that
simple!
 How do I earn points? You earn points
every time you make a purchase with
your card as a credit transaction with
your signature, and earn additional
points for shopping at participating
retailers - whether you like to shop
in-store or on-line!
How do I redeem my points? Simply
go to www.UChooseRewards.com and
register by entering your card number on the secure site.
Remember - the more you swipe, the more you earn!
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Congress recently passed new
legislation regarding OPEN END
LENDING as part of Regulation Z,
the Truth in Lending Act (TILA).
Although the intent was to implement
reform in abusive credit card lending,
wording in the legislation also affects
any open end loan. If you have an
open end loan, please read this
message to see how you will be
affected by this regulation change.
The law requires that open end loans
generate a monthly statement. In
order to comply with this and other
requirements of the new regulations,
APEX Community Federal Credit
Union must implement a uniform due
date for all open end loans. Effective
immediately, all open end loans will
have a due date of the 27th of every
month. PLEASE NOTE THAT THIS
DOES NOT AFFECT CLOSED
END LOANS!
If you have an open end loan and
your payments are made by payroll
deduction, ACH automatic draft,
automatic transfer from your
checking or savings account, or any
other payment arrangements that you
may have for specific payment dates,
those payment dates will not change.
Payments will be credited when
received. Please note that the due date
may not reflect the current or
delinquent nature of your loan, but
your automatic payment will still be credited on the date you have
selected. Those accounts that are set
up to pay twice monthly will still
have payments credited twice
monthly on the appropriate dates.
If you make your payments by mail
or in person, the due date on your
loan will always be the 27th of each
month regardless of the due date on
your loan agreement. For example,
if your next loan due date is
September 15, 2009, your new due
date will be September 27, 2009.
You may still make your payment
on September 15th or any date prior
to and including September 27th
and it will be credited when
received.
 PLEASE REMEMBER - THESE CHANGES AFFECT
ONLY OPEN END LOANS. NO
CHANGES WILL BE MADE
TO CLOSED END LOANS.
If you have any questions, please
call our lending department at
(610) 970-5363 or stop in at your
convenience to discuss this change.
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A word of warning: recently, there has been an increase in the
number of financial scams circulating which involve fake lottery
checks, SmiShing,Phishing, and Vishing.
- Smishing: a type of social engineering that uses cell phone text messages to persuade victims to provide personal information.
- Phishing: an email that falsely claims to be from an established legitimate enterprise which attempts to scam the user into surrendering private information that will be used for identity theft.
- Vishing: the criminal practice of using social engineering over the telephone to gain access to private personal and financial information for the purpose of financial reward.
Please bring any suspicious
checks or letters to our office for
validation or assistance.
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If you currently hold an APEX
MasterCard, we have exciting
news for you! In response to
member demand, APEX is
switching to VISA - bringing
you some of the most
rewarding credit card options
available in the market today!
Here's what to expect:
- You will receive a new credit card with a new account number by November 12, 2009.
- Your current Personal
Identification Number
- Consumer cardmembers
will need to request a
new PIN by calling card
member services at
1-800-558-3424.
- Business cardmembers will
automatically receive a
new PIN.
- Your existing balance will be
transferred automatically to
your new credit card
account.
- Your old card should be
destroyed once the new one
arrives.
- Your old card will be
deactivated on November 12,
2009, regardless of your
current expiration date.
Our VISA credit cards bring
convenience, security, and
flexibility, plus the opportunity
to earn rewards such as gift
cards, merchandise, and
unrestricted travel. If you don't
already have a credit card with
APEX, now is a great time to
apply! Call 610-323-4135
today!
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Bank from Home …
APEX's Home Banking service is
moving to the next level! You can
now take advantage of Virtuoso
Home Banking to give you better
service, more options, and easier
use every time you log in to your
Home Banking account!
With the new Virtuoso Home
Banking system, you will enjoy:
- Self-service features that allow
you to stop payments, open new
accounts, purchase certificates
and savings bonds, and manage
overdraft protection settings,
recurring transfers, contact
information updates, and more.
- Multi-factor authentication to
provide complete security for
your accounts and transactions.
- Quick Transfer to make common
transactions fast and easy.
- A customizable landing page that
puts the information you want at
your fingertips, including weather,
stock quotes, and news.
- Favorite tabs to give you
immediate access to the features
you use most often.
- Configurable links to provide you
with shortcuts or favorite sections
within your landing page.
- Automated alerts that will notify
you about low balances, loan
delinquency, loan payment due,
loan application status, certificate
maturity or renewal, and share
draft rejects.
- e-Document support to enable
you to view electronic statements,
forms, check images and notices.
- For complete instructions, go to our
website at www.apexfcu.com and
download the Virtuoso Home
Banking application!
For complete instructions, go to our
website at www.apexfcu.com and
download the Virtuoso Home
Banking application!
Bank on the Go …
Out of town? On the run?
Wherever you are, you can now
access your APEX accounts right
from your cell phone or PDA with
our new Mobile Banking option!
With Mobile Banking, you can
dial into your bank account to
transfer money, check your
account balances, and more!
Mobile Banking offers you
complete convenience, secure
access to your accounts, and 24-7-
365 banking. For complete
instructions on how to use your
new Mobile Banking, go to
www.apexfcu.com. It's time to
bank on the go!
Bank Secure!
Identity theft has become
America's fastest-growing financial
crime. Every 3.2 seconds, someone
falls victim to identity theft.
Protecting yourself from becoming
a victim has never been more
important, which is why APEX
now offers you the protection of
MemberSecure.
MemberSecure provides proactive
protection against identity theft and
fraud while also providing fraud
assistance to victims in the event
that identity theft or fraud does
occur.
Through MemberSecure, you
receive:
- Card PatrolSM. You will have the
security of knowing that chat
rooms across cyberspace where
identity thieves could be selling
or trading stolen credit and debit
cards are being monitored for
your protection.
- MyIDMattersSM. You can learn
valuable news, information, tips,
and education on identity theft
and fraud at myidmatters.net.
- Fraud Assistance. You will have
personal assistance from a highlytrained
team of specialists in the
event that you are a victim of
identity theft or fraud.
- Payment Card Protection. You
can register your credit, debit,
ATM, and check cards so that if
your cards are lost or stolen, you
can make one convenient toll-free
call to cancel all cards, stop
unauthorized purchases, and
request new cards.
MemberSecure - providing you
with 24/7/365 protection!
As a valued APEX member,
you have automatically been
enrolled in MemberSecure
for a $2.00 monthly fee. If
you do NOT want the
protection offered by
MemberSecure, please call
APEX at 610-323-4135 to opt
out of this service.
* Javelin Strategy & Research. 2009 Identity Fraud
Survey Report. 2009.
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Is there something special you
want to purchase for someone- or yourself - that you don't have
the cash for right now? Our
Holiday Signature Loan Special
is the answer! You can borrow up
to $1000 for rates as low as
9.90%!
Payments are spread out over 12
months, so you don't have to
experience a budget crunch, and
no payment at all is due until at
least February 1, 2010, depending
on when you take out your loan!
But hurry - this low rate is only
available through Christmas Eve!
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APEX offices will observe the following holidays:
Monday, October 12th
Columbus Day - Closed
Wednesday, November 11th
Veteran's Day - Closed
Thursday, November 26th
Thanksgiving - Closed
Friday, November 27th
Day after Thanksgiving – Closing at 5:00 p.m.
Thursday, December 24th
Christmas Eve – Closing at 1:00 p.m
Friday, December 25th
Christmas - Closed
Thursday, December 31st
.New Year's Eve - Closing at 3:00 p.m.
Friday, January 1st
New Year's Day - Closed
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