Fall 2022 RRCU Chronicle
International Credit Union Day
On October 20, 2022, RRCU will join over 56,000 credit unions around the world to celebrate International Credit Union (ICU) Day®. The theme of ICU Day 2022 is “Empower Your Financial Future with a Credit Union.”
ICU Day highlights the many ways that credit unions across the world help members improve their financial health and well-being. RRCU offers free access to ZOGO for members, friends, and family of all ages to promote the power of financial health throughout our communities.
Credit unions were built on the principle of “people helping people.” We’ve seen that philosophy in action for more than 100 years, with credit unions providing access to affordable financial products and striving to meet the needs of underserved communities. This year's ICU Day, RRCU will hold a SHRED DAY at our Summerhill Branch from 2 PM-5 PM to help those wanting to rid themselves of old documents, CDs, DVDs, tapes, floppy disks, flash media, pill bottles, X-rays, etc.
RRCU is honored to be a part of the proud ICU Day tradition. We invite both members and nonmembers to download ZOGO, or access ZOGO though RRCU Home/Mobile Banking, and celebrate this day with a micro info blast or two.
International Credit Union Day® is brought to you by Credit Union National Association and World Council of Credit Unions. This year’s event is proudly sponsored by ZOGO.
Learn more at cuna.org/icuday. #ICUDay
Copyright 2022 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved.
YOU are Your Best Defense Against Fraud
Fraud is everywhere and, sooner or later, someone will try to defraud you when you least expect it. Attackers constantly change their tactics making scams nearly impossible to recognize. Scams will change but your defense should not waiver. RRCU wants you to be a scam success story by remembering these tips that apply to ANY business you use (e.g., RRCU, IRS, cellphone company, etc.):
- Never give out your PIN or password.
- Never give out a code sent to you to reset an account. Fraudsters use different measures to get your reset code. They will attempt to reset your password for any website and claim you need to give them the code for “identification verification”. When sent to your phone or email, the code is then used to confirm your request or authorization to change a password. If they are given this code, they have gained access to change your password and log into the site.
- Never bypass authentication on a shared device (mobile phone, ipad, desktop, etc.)
- Never give your family member, friend, caregiver, etc. your password and PIN. If they are connected to the account, they can get their own ID and access.
- If contacted to reset a PIN or Password by phone, text, etc., disconnect and contact RRCU or appropriate business.
- If contacted about potential fraud, it’s okay to answer simple questions (e.g., Did you make the purchase?). If personal information is requested, disconnect and contact RRCU or the appropriate business.
- Never loan money you want back without proper legal paperwork.
When in doubt, disconnect and contact RRCU, or the business in question, immediately. It takes more of your time but saves you money and aggravation.
5 Signs of a Scam
It’s natural to want to make easy money or to resolve a conflict quickly, and scammers are counting on that. Keep these signs in mind the next time you respond to a vague advertisement or receive an unsolicited call, email, text, or social message, they could be trying to scam you:
- They contacted you. Communication isn’t the enemy but giving out your sensitive information is dangerous. Contact the company directly to avoid being scammed.
- They dangle bait. Bait is usually you must act immediately to gain money or prevent losing it.
- They want your personal information for many reasons. There is NO honest reason for a business to need your PIN or Password.
- You have to pay them first. Upfront money is a common red flag for victims if they have to pay a fee to get winnings, to start a new job, etc.
- You have to wire money or send gift cards. If payment options are out of the ordinary and urgent, stop and do your research!
Types of Scams
The list keeps growing and the tactics can vary from implying danger to extraordinarily helpful.
- Advance Fee Scams – Payment or fee is demanded upfront.
- Tech Support Scams – Claim you must pay them to remove a possible virus.
- Phishing – You are called, emailed, texted, or mailed a request for personal information: SS#, CC#, password, etc.
- Emergency Scams – aka Grandparent Scam, receive contact from someone pretending to be a relative or friend needing emergency funds.
- IRS or Government Imposter Scams – False agents contact you demanding back taxes or you will go to jail, lose your house, etc.
- Foreign Money Exchange Scams – aka Nigerian Fraud, want you to help make some sort of foreign transaction for them for various reasons in which you would also profit.
- Counterfeit Cashier's Checks – aka Overpayment Scam, you receive an unexpected check or check amount is more than expected. You can be liable.
- Bogus Debts – You receive a threat for payment on a debt you do not have. Note: constantly check your credit report.
- Home Repair Scams – Door-to-door sales that are only available that day or from an unknown person/business.
- Business Opportunities or Employment Scams – Jobs requiring payment upfront for training or equipment.
- Shopping Sprees – Ask for your bank account information to cover a small fee to handle funds.
- Illegitimate Vendor Purchases – That deal IS TOO GOOD TO BE TRUE! (Purchase from unknown vendor only to receive wrong merchandise, merchandise is misdelivered and reported past tracking ability, overcharged or charged more than once, and more! Fraudsters count on you forgetting, not taking action, or accepting an initial unfavorable outcome.)
Limited Time Offer
Medicare Questions? RRCU Financial Services Can Help!
RRCU Financial Services Representatives want to help you:
- Understand the plan options available to you.
- Answer questions you may have about Medicare.
- Compare plans for potential cost savings.
- Select and enroll in the plan that is best for you.
Call 903-735-3132 Today!
Not affiliated with the U.S Government or federal Medicare program. This is a solicitation for insurance. A licensed representative from RRCU Financial Services may contact you. Red River Member Service Group, LLC dba RRCU Financial Services is a wholly owned subsidiary of Red River Employees Federal Credit Union. Financial Services and insurance products are available to credit union members, but not provided by or guaranteed by Red River Employees Federal Credit Union.
New El Dorado Branch Coming Soon
We are Coming to El Dorado
RRCU has started renovating an existing structure which will soon become a new El Dorado (AR) Branch!
- Located at 2001 N West Ave El Dorado AR 71730
- Drive Up ITM scheduled to go live in December
- Branch is expected to open first quarter of 2023 (if not before!)
- Hiring all positions. See our Careers page for posted positions.
We are excited to expand into Union County Arkansas.
More ITMs are Popping Up in Our Drive-Thru Lanes
We've Got You Covered with ITM Service!
- Express Teller hours are from Monday through Saturday, 7 AM to 7 PM.
- Not a fan of talking with an Express Teller by video? Don't touch the screen, just insert your Debit Card.
- Don't have a Debit Card? Touch the screen and let the teller verify you with your driver's license or government-issued ID.
RRCU has added 3 more ITM Locations!
- Summerhill – Our main branch at 4405 Summerhill Rd in Texarkana (TX) has three new ITMs in the drive-thru.
- 9th Street – 3612 E 9th St in Texarkana (AR) (one block west of Cooper Tire Rd.) has one ITM as a stand-alone RRCU Express Branch.
- Sulphur Springs – Our Sulphur Springs drive-thru is now open for business with two ITMs.
Coming in the 4th Quarter
- Ashdown (AR) is getting an ITM directly across from the branch. Construction has already started and it's expected to be active mid-October.
- DeKalb (TX) stand-alone ATM will be converted to an ITM.
- Nashville (AR) is our next ITM conversion drive-thru with two ITMs expected in November.
- El Dorado (AR) is getting a new ITM location at 2001 N West Ave in El Dorado (AR).
Charitable Donation Opportunities
RRCU is proud to support local charities and organizations. RRCU employees and branches collect items throughout the year to donate.
- Late October, RRCU will start collecting canned foods for Marathon for the Hungry to be held at Super One in Texarkana (TX) - November 17th, and other food banks in LA and MS.
We hope you will join us in supporting those in need throughout our service area.
Awards and Recognition
- Texarkana Gazette Readers Choice Award for Best Credit Union
Odds and Ends
Effective October 1, 2022, RRCU will no longer provide Checking Account Transfer/Overdraft Notices. RRCU offers various services to help you monitor your account 24 hours a day/7 days a week. For current account information, access RO$EY our voice response system at (903) 793-3400 or (800) 833-1528, login to www.rrcu.com, or use our convenient mobile app.
All branches are closed except ITM Express Tellers (all locations) and the two Express Branches (402 Walton Dr. and 4401 Texas Blvd) in Texarkana (TX) will be open regular hours. Remember for Thanksgiving, Christmas, and New Years, all locations will be closed.
- Columbus Day - Monday, October 10th
- Veterans Day - Friday, November 11th
- Thanksgiving - Thursday, November 24th
- Christmas Day - Monday, December 26th (Observed)
Safe Deposit Boxes
Remember rent is due for safe deposit boxes on January 1, 2023. The following branches have safe deposit boxes on site:
Texas – Summerhill, Atlanta, Clarksville, New Boston, Wake Village (Hwy 67), Richmond Road, Hwy 59, University, and Paris.
Arkansas – Hope and Nashville
Louisiana – Fern and Bastrop
Please contact the branch for current box availability.
When ordering checks through an outside source, the account number must be listed a specific way; it is not just the member number. Account number format is 010XXXXXX0 (Xs are the member number). If the member number is less than 6 digits, extra 0s will go in front of the member number (ex. Member number 1234 would be 0100012340 on the check account line). If a member has multiple checking accounts under one membership, the 010 may be 020 and so on. In this case, please ask a branch representative to confirm the correct account number listing. Remember check numbering must end at 8999, then restart numbering.
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RRCU Mission Statement
Red River Employees Federal Credit Union is committed to be the premier financial partner for our members and their communities. We provide quality products and services with knowledgeable and friendly staff for all generations.
We are here for you in all stages of life.