If you are having difficulties in making any loan payments, we may be able to help you.  If you know you may be late on a payment, call us before the payment is due. We are here to assist/serve all members. Please call Loan Servicing to assistance. 757-463-3650  x326, x339 or x340.

Fax: 757-463-2169

Identity Theft protection

Some of the ways criminals use identity theft for financial gain are obtaining credit card accounts, opening utility services, creating counterfeit checks, making ATM withdrawals, obtaining a car or personal loans and many more.

Some of the ways you can help reduce or prevent identity theft are to use good consumer knowledge and use only reputable businesses. One way to find if a business is using good practice is refer to the Better Business Bureau web site at www.BBB.org.

Secondly, you should never provide your personal information via the internet unless the site is secure. The way to tell is a web site is secure or not is that there will be a “padlock” icon in the lower right corner of the web page, or located in the right hand corner of the address bar.

Never allow anyone to have or use your credit card, debt cards or checks. While you may be comfortable with the person using them in a particular instance, it will or could possibly leave you liable for any losses after that point should they use them again without your permission.

Remember to read your Credit Union statements each month for any unauthorized charges or usage. If you have questions about the statement alert the Credit Union immediatley regarding possible fraud activity on your account.

Scams

BEWARE OF BOGUS CHECK SCAMS, LOTTERY CHECKS and FRAUDULENT MONEY ORDERS

If you receive any checks or money orders in the mail you did not request or were not expecting, there is a chance these checks or money orders are counterfeit or bogus.

If you deposit or cash these items and they are counterfeit you will may be held liable to the Credit Union for any loss. It is VBSFCU’s policy to place a hold on these checks for a period of 3-5 days. The hold is for your protection to limit the losses to VBSFCU.

Normally, along with the check or money orders is an instruction letter explaining how much you can keep and how much you are required to send back to a person/company (usually to an overseas address).

Do not cash or deposit a check from someone you don’t know.

Sequestration Help and Other Tips

Sequestration and Surviving Hard Times