Join Us at Our Pooler Branch on June 8th and See Why Where: GHFCU Pooler Branch at 102 Park Avenue, Pooler, GA 31322 When: Saturday, June 8,2019 from 9am to Noon Event Specifics: Food, prizes and giveaways Everyone who stops by can enter a ticket for drawings taking place every half hour Everyone who opens a membership or signs up for any of our other products ( example Loans, shared certificates ) during that time slot will be entered into a drawing for 1 of...
There are many reasons why you may need to dispute credit card charges, such as a business you used accidentally overcharging you or a scammer fraudulently buying tickets around the world in your name. The federal Fair Credit Billing Act (FCBA) protects consumers and credit card companies in regard to billing errors. Such errors include charges with the wrong date or amount; charges you didn’t make; mathematical errors; payments that are not posted; unauthorized charges; and recurring charges that were not made clear to you....
Online fraud and theft involves much more than disruptive emails and untrustworthy websites. Today’s virtual thefts are much more intelligent than they were several years ago. Modern cyber crimes may involve tactics such as ransomware, where criminals literally hold your files hostage until they receive a ransom. As another example, although fraudulent phone calls have existed for many years, the callers’ processes are much smarter now; they can even reach you from a number featuring your own area code in the hope that you’ll think...
You’ve heard that you should always read the fine print, but when you do, are you confident you understand what you’re reading? If you’re not sure about the content for the disclosure details, you should feel free to ask your financial adviser or a credit union associate to explain it to you. In the meantime, here are some basic facts you should know. By law, financial institutions are required to provide disclosures that detail all material facts relevant to a transaction. Reading them may enable...
With popular cleaning show “Tidying Up With Marie Kondo” inspiring a lot of early spring cleaning this year, you may wonder how you can turn this good habit of organizing your home into a way to make a little extra money to stock your savings account or manage a few big bills better. Here are some excellent options! Selling Clothes to Local Gently Used Clothing Shops Plato’s Closet popularized the option of selling or getting store credit for one's gently used clothing. If you choose...
As parents, it is our responsibility to prepare children for adulthood. One aspect of this is teaching financial literacy to them. When your kids know how to manage money well, they may be less dependent on you financially when they become adults. In addition, they may be in a better position to look after you in your later years when you're no longer able to work. Here are some ways to teach financial literacy to children. Teach the Difference Between Wants and Needs Too often,...
If you’re buying a house and plan to obtain a home loan through our credit union and AmeriCU Mortgage, we think you’re making a wise decision. We’ll be here to help walk you through the loan process. The first few steps would be for you to obtain certain home loan documents. Getting a hold of these documents early will help the homebuying process move smoothly and efficiently. 7 Home Loan Documents or Resources You May Need to Have 1. Proof of Income You may need...
An astounding 78 percent of Americans live paycheck to paycheck. Many of them were affected by the recent government shutdown. Fortunately, you can take control of your finances today. One smart way to do so is by having multiple savings accounts. Benefits of Multiple Savings Accounts One of the most significant reasons for having multiple savings accounts is having multiple savings. It is possible to keep all your savings in one account and keep a ledger detailing how much money is saved for each goal....
Although we use its logo proudly, what NCUA federal insurance means isn’t always clear to credit union members. To us, it’s a required standard that we wouldn’t dream of going without even if we could. Following are some of the basics about NCUA insurance. What is the NCUA? The National Credit Union Administration is an independent agency of the United States government that regulates, charters, and supervises federal credit unions. NCUA also operates and manages the National Credit Union Share Insurance Fund. Backed by the...
