All of us at Franklin First FCU wish you all a happy New Year and a year full of good health and happiness, in your daily lives and in your financial future.
We thank all our members and future members for their continued support and membership in 2017. We will continue to support you with quality products, loan rates and member service in 2018.
2017 was a good year for FFFCU and our membership as we brought many new products to you. We now offer Instant Issue Debit Cards, Samsung Apple Pay, Remote Capture (mobile) Deposit, done an Online Banking Bill Pay Conversion, upgraded our Overdraft Privilege software/program, are now offering a new account called our Pet Care Club.
We have instituted many upgrades to our technology and our employee education and development in 2017 all to make your relationship a happy experience when you visit Franklin First and use our products.
The start of 2018 brings you Loan E-Bills so you can receive your loan billings on line instead of receiving paper bills in the mail. We are instituting many upgrades and products to bring you in 2018. Please watch for these on our Facebook page and on our website.
Please stop in to see us, visit our Facebook page, watch for our monthly blog, log on to our website at http://www.franklinfirst.org where you can be updated on our rates, apply for a loan, VISA Credit Card, check out online services, sign up for on-line banking and many, many other offers.
Thank you again for your continued membership. We appreciate your loyalty and look forward to serving you in 2018. Our members make Franklin First FCU an enjoyable place to work every day.
NEW SCAM ALERT
New technology is being worked on and developed every day to prevent scammers from accessing our identity and our funds. Every time the new technology comes out, the scammers find a way to get around the newest technology.
For many years Debit/ATM Cards and Credit Cards used a magnetic strip to identify your card number, balances and accounts. The scammers found a way to get this information when we used are cards at ATM’s, stores, gas pumps and other areas when we insert our card into a card slot. They would apply SKIMMER‘S in the card slots to read the magnetic strip and access your account information and cameras to read your pin #’s on Debit/ATM cards.
The newest technology developed over the last couple of years was adding an EMV chip to all cards to make it harder for your information to be taken. Well, the scammers have found a way to override the EMV chip also.
The newest device they are using is called a SHIMMER. The Shimmer sits between the EMV chip and the ATM’s chip reader, allowing criminals to read the chip and steal card information.
This is a relatively new device and has been found mostly in California, Texas and Florida but may reach our area in the near future. The fact the Shimmer is physically inside the ATM is also a problem. It is really hard for a credit union or any financial institution to detect it primarily because is goes into the card slot so deeply.
The scammers are getting braver and many times will add the Shimmer or Skimmer to the ATM even when employees are arriving for work. This makes it look like they are a member or non member just utilizing the ATM for cash or deposits. They may go unnoticed for the most part.
How can a member be more proactive at an ATM or other card reader?:
- Look for cameras. Criminals want card data but also need your pin #. That usually requires putting a tiny camera somewhere near or above the ATM keypad.
- Always cover the pin pad with your hand to prevent them from reading your pin # as you put it in.
- Always be aware of your surroundings and look at the ATM, gas pump or any card slot for anything that does not look right. If something looks off, don’t use the device.
- The Franklin County Youth Football League presents BINGO NIGHT!! This is being held at St. Kaziemerz Society on January 13th opening at 7:00 PM. You must be 18 to play. There will be raffles and cash prizes will be awarded for each winning game.
- Please join us in supporting Big Brothers Big Sisters of Franklin County again this year by attending their TRIVIA NIGHT at St. Kaziemerz Society 197 Avenue A in Turners Falls on Saturday, January 27, 2018. The doors will open at 6:30 with Trivia starting promptly at 7:00 PM. The cost is $15 per player. Teams are made up of 8-10 people. Create your own team or ask to join others. Space is limited so you are strongly encouraged to make reservations by contacting http://www.bbbs-fc.org. There is a cash prize for the wining team and a 50/50 Raffle. There will be a cash bar and you can BYOS=bring your own snacks!
- The Greenfield Elks on Corner of Federal and Church St. offers a free lunch to all Veterans each Thursday from 12-1:30. There contact information is (413) 834-715.
- There will be a Ham & Bean Supper presented by the Montague Congregational Church on Saturday Jan. 20, 2018 at 5:30. Adults are $10.00 and Children $5.00. Please make reservations at 367-2652. Walk ins will be seated as space allows. You may also call for take outs.
- Ham, Baked Beans, Carrots, Coleslaw, homemade brown bread, apple pie squares, coffee, tea and milk. Sounds like a delicious alternative to cooking!
And a quick note of Greenfield’s 96th Winter Carnival to be held on February 2nd-4th with events all over town. Please visit the Greenfield Recreation Department for more details and the events calendar. Always a lot of fun!!!!!!!!!