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If you have lost/ or had your debit cards stolen and this happens during hours when the Sonoma County Grange Credit Union is closed, don’t wait, please dial the COOP:
US toll free: (800) 241-2510
International: (909) 941-1398
We want you to be informed. The growth of the Internet, constantly changing transaction options, and the ever present threats to privacy make your financial literacy more important than ever before. As a consumer, it is awareness that enables you to take control of your financial life and protect yourself. Knowledge is power.
Our goal is to provide you with practical information and tips on topics that are important to your financial well being and peace of mind. Just click a link on the left side of this page to learn more about each subject matter. We will expand this section of our site as relevant subjects present themselves, so check back often - bookmark us! If there is a specific topic that you would like us to address, contact us.
Your security is our top priority. That's why we go out of our way to make sure your information is protected. These are just a few of the things we do to ensure your privacy:
Fraud Warnings - Where to Look
First time users and those who haven't signed in for 365 days, please call a Member Phone Service Representative at (707) 584-0384. Learn more about passwords.
Registered users, enter your member number (no leading zeros) and password to enter Online Banking. At this time you may register for Enhanced Login Security.
The Accounts page shows up-to-the-minute balance information on your deposit, loan, and investment accounts. To view detailed account activity, including deposits, withdrawals and transfers, simply click on the corresponding account title. From here you may choose to view additional account history (current maximum is approximately 1 year) or export your transactions to your favorite money management software.
You will find a Quick Transfer option at the bottom of this page. Note you may not initiate Quick Transfers to Cross Member Transfer accounts (see Secure Forms).
The Account Transfer feature allows you to make current, one-time transfers between your accounts and loans. It also allows you to make Principal Only payments to your Sonoma County Grange Credit Union loans (excludes Visa & HELOC payments). To make a transfer, enter the desire dollar amount. Next, click on the "FROM Account" box. You will be presented with a drop down menu showing all of your eligible accounts, along with the current balance** in each account. Select the account from which you wish to transfer the funds (also known as the Source Account). Repeat the same procedure for the "TO Account" (Destination Account). Hit continue. Alternatively, you may clear all fields and put in new information or simply go to another screen without clicking on the "Transfer Funds" link. Confirm. At this time you may still cancel the transfer by clicking on the "Cancel" link.
Your transfer will take place immediately provided there are no holds on your accounts and the funds are available for transfer. If you are making the transfers outside of normal business hours, the transfer will be posted using the next business date. Click view new balances to return to your Accounts page.
To setup a scheduled transfer click on the Transfers tab. A link will appear on the transfers page that will allow you to manage your auto transfers. ONce you click on the link, you will be directed to the Automatic Transfers Page where you can specify the transfer from & transfer to accounts, the transfer amount and the date and frequency of the transfer.
Our Export facility allows you to export your account information into either a QIF, CSV, OFX and other formats. These formats are compatible with the Intuit's Quicken˜ and Microsoft Money˜ personal financial management (PFM) software packages respectively, as well as MS Excel.
Quicken Users: Sonoma County Grange Credit Union Credit Union will no longer provide the export option for versions of Quicken 2006 and earlier. To update your version of Quicken
Money Users: End users may download using the OFX format, which has been supported by all versions of MS Money beginning with MS Money 1999. The OFX format contains more information, is more accurate, and is better at preventing the acceptance of duplicate transactions. To update your version of MS Money
Excel Users: End user may download using CSV and import your reports in Microsoft Excel, Open Office or any CSV compatible program
You can stop payment on any personal check by calling (707) 584-0384 for assistance. To stop payment on a series of checks or Bill Pay Laser Check (995XXX), please also call our Member Services Department at (707) 584-0384 for assistance.
You can pay your bills online using Bill Pay. Bill Pay services are provided through third part vendor iPay and only available after you log on to Sonoma County Grange Credit Union oline banking
Forms Available Online allow you to apply for the products and services shown. To use this feature, click on the product or service that interests you and complete the form, print and mail or fax it back to us (707) 584-0311. Please make sure that you have read any disclosure text, if shown, before submitting the application. Because you are logged in to Online Banking, some of your personal information will auto-populate on each form. The form you are using determines what kind of information will auto-populate.
Sonoma County Grange Credit Union will stop mailing paper statements when you sign up for Online Statements. Your Online Statements begin to appear on the first business day of the month following your sign up date.
We are required to send you an e-mail reminder when your Online Statement is available for viewing. As a result, you will be required to provide an e-mail address. You may add or change your e-mail address in the User Options section of Online Banking. There are no fees or account restrictions for requesting any paper statements or choosing to withdraw your consent for online statements.
Services is where you do your Online Banking "housekeeping". You may change your password. You may update your email preferences, view loan applications, view your statements, change your password and username, change your address & report cards as lost or stolen.
Be sure to click on the Logout button at the end of every session. This will delete your session cookie.
Do you have more than one Sonoma County Grange Credit Union account? You may access all your accounts at once by setting this up with one of your service representives (707) 584-0384
**Available balances displayed in Online Banking, via Touchtone Teller or on your monthly statement do not include overdraft and/or credit line amounts.
If you take advantage of all the products and services that Sonoma County Grange Credit Union has to offer, then knowing your passwords and how they are used is very important. There are 5 passwords that you may be using:
Your Secret Password/Identifier is used to identify you when you call Member Phone Services for help. You normally establish your Secret Password/Identifier when you open your membership account. All members are identified, using a variety of criteria, to ensure the security of account information. Your Secret Password/Identifier is only one of the criteria that may be used.
Your Touchtone Teller Access Code is assigned when you open your Sonoma County Grange Credit Union membership account.
You may reset your Touchtone Teller Access Code at any time. Simply call (707) 584-0384 to access the Touchtone Teller system 24 hours a day, 7 days a week. Then press 3 for the main menu. Click here for a complete list of service codes.
If you do not have a Touchtone Teller Access Code, please call (707) 584-0384 to speak with a Member Phone Service Representative .
You may reset your Online Banking Password at any time as well. Log in to Online Banking and click on the "User Options" button, then click the "Change Password" link to make your changes.
Forgot your password? CAll a member services representative to reset it for you (707) 584-0384
Special Note about Foreign ATMs: Overseas travelers should know that ATMs outside of the United States do not normally include letters on their keypads. If you are currently using a text based PIN, you will need to convert it to a number based PIN. In addition, some foreign ATMs only take four digit PIN numbers. In this case, simply use the first 4 digits of your Sonoma County Grange Credit Union PIN.
Please keep in mind that in many European countries the primary account is the checking account. As a result, you may not be given the option to withdraw funds from your savings account, since the checking account is assumed. If you have a savings account only, you may have difficulty using your ATM Card in Europe. Consider opening a Sonoma County Grange Credit Union Checking Account.
Finally, your Sonoma County Grange Credit Union Visa Debit Card PIN is used to withdraw cash from participating ATM network machines. If you forget your Debit Card PIN, call us at the number above. We will send your current PIN to you in a confidential PIN mailer only.
Remember, your privacy is our top priority. Sonoma County Grange Credit Union does not sell or rent your information to third parties, and will never ask you to disclose or verify personal information via e-mail.
If you have any questions about your passwords, please call Member Phone Services at (866) 543-5202 or (707) 584-0384.
Have you heard of phishing? It's a type of fraudulent e-mail scheme designed to scare you into providing your personal and financial information online.
Please call us if you receive any kind of suspicious solicitation (707) 584-0384 and ask for the Web Services Department, or forward the e-mail in question to firstname.lastname@example.org. You will never receive an e-mail from Sonoma County Grange Credit Union asking you to provide or verify your account information online. E-mails of this nature only come from those who are interested in gathering and misusing your personal information.
How does it work? An e-mail is sent out that is designed to trick consumers into surrendering personal information. They may appear to come from government agencies such as the IRS, an online shopping venue such as E-Bay, or even a credit card company. The most popular scams are:
Recipients are directed to web sites where they are asked to verify personal information such as their name, bank account and credit card numbers, social security numbers, and other information. A sense of urgency is created by telling the consumer that, with little or no notice, their account will be shut down unless they confirm their personal and/or billing information right away. In addition, great care is taken to copy the original Web site to make the scheme appear as authentic as possible. Web addresses (URL's) are masked to make them look real.
If you receive an e-mail of this nature, DO NOT respond to it, click on the link, or provide any information. Delete it. In addition, you may want to:
To protect yourself, consider the following:
If you are victimized, contact the three major credit bureaus to place a "fraud alert" on your accounts, and notify your local police. See our Identity Theft section for more information. View the National Credit Union Administration's (NCUA) informational Phishing brochure here.
Closely monitored network decoys designed to distract adversaries from more valuable machines on a network. They can provide early warning about new attack and exploitation trends and they allow in-depth examination of attacks.
A software program that enables one Internet user to monitor the actual keystrokes of another Internet user.
A process by which fraudsters are able to replicate the "look and feel" of a legitimate financial services company's e-mail or Web site for the purposes of tricking customers into divulging personal identification, passwords and financial data.
Stealing a computer password or access code by peeking over a person's shoulder while he types in the characters.
The copying by a dishonest cashier of the data on a magnetic stripe on a customer's credit card by swiping it through a small card reader. The information is then used to make counterfeit cards.
The watching, displaying and logging of another Internet user's computer traffic.
The forging of an e-mail header to make it appear as if it came from someone or somewhere other than the actual source.
A false identity made up of stolen components.
Programs in which malicious or harmful code is concealed or hidden inside apparently harmless programming or data, the purpose of which is to get control of the breached computer and do damage.
We do not sell member information nor share your account numbers with independent third party marketers offering their products and services.
The Credit Union collects relevant information about members that is needed to establish and maintain your account and services as the law allows or requires us to collect. We may collect personal and financial information about you (member information) which is "nonpublic." The member information we collect varies depending on the accounts and services you request and use. We collect information about you from the following sources:
Application Information. We retain personal information we receive from you on any application you provide for membership, deposit accounts, EFT services, loans, insurance, or other Credit Union services. This information includes: name, address, social security number, birth date, phone number, employment and financial status, and credit history.
Your Transactions. Any time you make a transaction on one of your accounts, including ATM or card transactions, loan advances, or insurance transactions, transactions through Online Banking, or over the phone or at a branch, we retain the transaction information, including: your account number, the date, amount, location of the transaction, and other pertinent information.
Credit Reports. When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency. We retain the personal and credit history information about you and we may use it to evaluate future account service requests.
Online. We obtain information online when you visit our web site, http://grangecu.org. This includes retaining information you provide us on any online application, Online Banking transaction or information you send to us by e-mail.
In order to provide financial services to you, we share certain information about you with our third party service providers to the extent necessary to service your account or services. If we share your information, it is with the goal of bringing you quality services, more choices, and greater convenience. Information we may have about former members is generally shared or disclosed if necessary to enforce or administer an account or as required by law.
Sharing Information with Third Party Service Providers. In order for us to conduct our operations, including servicing your account or processing your transactions, we need to share information with our service providers, including: data processing companies, check, ATM, and other payment processing companies, payment networks, loan service providers, insurance companies, collection agencies, and credit reporting agencies. These service providers act on our behalf and have agreed in writing to keep the member information we provide to them confidential. We share the following categories of information with third party service providers depending on the specific services provided:
We do not sell member information nor share your account numbers with independent third party marketers offering their products and services. We do not disclose or share information regarding our members or other consumers in ways that give rise to 'opt-out' or 'opt-in' election rights that you may have heard about. If we change this disclosure so that you would have such rights, we will notify you in advance.
Sharing Information as Legally Required or Permitted. We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.
Our Confidentiality and Security Safeguards. We maintain strict policies and security controls to assure that member information in our computer systems and files is protected. Our employees and agents are permitted access to member information that they may need to perform their jobs and to provide service to you. Our employees and agents have access to such member information as necessary to conduct a transaction or respond to your inquiries. All employees and agents are trained to respect member privacy. No one except our employees and agents has regular access to the Credit Union computer system and records storage. The Credit Union has established internal security controls, including physical, electronic and procedural safeguards to protect the information you provide us and the information we collect about you. We will continue to review our internal security controls to safeguard your member information as we employ new technology in the future.
On our web site, http://grangecu.org, you may apply for accounts and services and you may communicate with us via e-mail. However, if you send e-mail to email@example.com it will not be secure. When you visit our web site, you can access information, without revealing your personal identity. If you input your member number and password to enter Online Banking, we will use "cookies" to authenticate you and track your visit for Online Banking sessions. These "cookies" will be used to help us identify you for future Online Banking sessions. A "cookie" is a piece of information that our web server stores on your computer hard drive and retrieves later. The "cookie" will not request, require or collect personal identity information other than the information used to authenticate you for Online Banking access.
Our online financial services are not directed toward or designed for use by children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children's identities and online privacy is important and that responsibility rests with us and with parents.
We reserve the right to amend this Policy in the future. If you have any questions about our privacy practices, contact us by calling (707) 584-0384, sending us an e-mail at firstname.lastname@example.org, or write to us at Sonoma County Grange Credit Union Credit Union, 304 Sutton Place Santa Rosa, CA 95407
The security of your data is extremely important to us. As a result, Sonoma County Grange Credit Union uses several layers of technology to prevent unauthorized users from gaining access to our internal network. Sonoma County Grange Credit Union's security professionals manage a sophisticated networking architecture that includes screening routers, filtering routers, and firewalls.
To ensure the security of your financial information at Sonoma County Grange Credit Union, we recommend the following:
Sonoma County Grange Credit Union has been certified with a secure certificate from VeriSign to communicate via Secure Sockets Layer (SSL) technology. Digital certificates act as a digital ID that users or computers are authentic. To check any site certificate, double-click on the closed lock icon in the bottom corner of your screen.
When you sign up for Online Banking, we ask you to create your own password. Use this password in conjunction with your member number to access Online Banking.
Our Online Banking system will automatically log you off after a set amount of time. (The default time is 20 minutes.) This reduces the risk of others accessing your information from your unattended computer.
Our computer systems are protected by a series of powerful firewalls that block unauthorized entry.
All online sessions are encrypted. This encryption technology is classified by the U.S. Department of Defense. United States law forbids export of this technology to other countries. Look for a "closed lock" icon in the lower corner of your browser to determine if encryption is being used. Any Web address beginning with "https://..." indicates the page you are viewing uses encryption. The "s" stands for "secured."
Sonoma County Grange Credit Union's Information systems group maintains and monitors all security systems to make sure that your accounts are safe and secure.
Sonoma County Grange Credit Union is committed to keeping up with and utilizing the latest technology to ensure your account security in the face of constantly evolving online threats. We work closely with our Online Banking provider (CMC) to ensure that new browsers meet our high security standards and can be included in our list of supported browsers.
We mail you confirmation letters whenever you make a change to your contact information, account information, or Touchtone Teller Access Code.
In response to phishing threats, we will never ask you to disclose or verify personal information via e-mail.
During the normal course of business you may receive an e-mail from a Sonoma County Grange Credit Union employee. For your convenience we may include links in "one-on-one" e-mails to assist you in locating a certain online form or section of our web site. One-on-one e-mails will include the member's surname in the subject line. We will never ask you to disclose or verify personal information via e-mail.
We respond to all e-mails within one business day. There are two ways you can send us an e-mail.
You may receive e-mails from third parties who have business relationships with Sonoma County Grange Credit Union. These vendors (such as CheckFree) may send you e-mails that include links to the Sonoma County Grange Credit Union web site. Sonoma County Grange Credit Union is not responsible for the functionality of links included in any third party e-mail.
We discourage using search engines to find the Sonoma County Grange Credit Union web site, since doing so can result in false or phished sites that may be harmful to your computer.
DO NOT OPEN e-mails from unknown sources. DELETE THEM. You may want to report the scam to the organization named in the e-mail, report it to the FTC, or forward the suspicious e-mail to the FTC at email@example.com. If Sonoma County Grange Credit Union is named in the scam, forward the e-mail to firstname.lastname@example.org.
Take action immediately. Document the time and money you spend on clearing your name. In some states, any person found guilty of financial identity theft will be ordered to pay restitution to the victim for any financial loss, including lost wages. Use the attached Action Plan to help yourself get organized.
|To order your report call:
P.O. Box 740241
Atlanta, GA 30374-0241
|To report fraud call:
PO Box 740241
Atlanta, GA 30374-0241
|TRANS UNION CORP.
|To order your report call:
PO Box 1000
Chester, PA 19022
|To report fraud call:
Fraud Victim Assistance Division
PO Box 6790
Fullerton, CA 92834
|To order your report call:
PO Box 949
Allen, TX 75013-0949
|To report fraud call:
PO Box 949
Allen, TX 75013-0949
A special note about "inquiries."
Too many inquiries on your credit report can be viewed negatively by potential creditors. As a result, wherever questionable inquiries appear, ask that they be removed from your report. In a few months, order new copies of your reports to verify your corrections and changes, and to make sure that no new fraudulent activity has occurred.
Don't stop now! It is extremely important to be vigilant about your financial affairs. Identity thieves don't care about you, and won't stop until they are forced to stop. Protect yourself in the following ways:
You will be notified by mail if your request has been approved. If so, you will need to go to the DMV, present them with the approval letter you received from the Records Security Identification Unit, and follow their instructions on obtaining a new license.
Records Security Identification Unit
PO Box 942890 M/S G210
Sacramento, CA 94290-0001
It is important to act promptly. Place your phone calls immediately and follow up in writing within 30 days.
Copyright © 2010 Sonoma County Grange Credit Union