U. OF P. Federal Credit Union

Internet Home Banking
We are offering Internet Home Banking. It is a great service that offers you convenience in managing your accounts. Check it out today. For enrollment instructions, click here. To enroll, click here.

Extra Investment on Audio
If you have signed up for Touch Tone Teller, you can now get information on your Savings Extra Investment account by calling 215-898-9117, key in your SSN and PIN, choose option 1 for Inquiry, Option 6 for Investments, choose option 1 for Balance, or option 2 for History.

Phishing: What Is IT?
Criminals around the world are stealing credit card numbers, bank account passwords and other sensitive information in greater numbers than ever before. Many of them are using tools, easily found on the Web, that let them spy on the Internet habits of hundreds of thousands of people, from the sites they visit to the keystrokes they enter.
Some of the technology has been around for years, but security experts say organized crime and other groups are learning to use it in creative ways. Merely surfing the Web -- even visiting some familiar and trusted Web sites -- can bring dangerous exposure to criminals.
While virus protection and security software can help lower those risks, another scam is leaving many users on their own: e-mail "phishing," the random attempt to obtain account numbers and passwords by criminals masquerading as legitimate businesses.
Phishing Scams

"Phishing" is a kind of credit and debit card fraud. By pretending to be email from a bank or similar site, scammers "fish" for account numbers, passwords, Social Security numbers, etc. They trick consumers into divulging sensitive information so that unlawful charges can be made on the consumers' accounts.

Phishing email schemes change frequently and often have links or attachments with links. Users who click on the links are taken to look-alike sites where they are asked to enter personal data.

Check 21: What Is IT?

Effective October 28, 2004, the Check Clearing for the 21st Century Act - or "Check 21" will bring the nation's check payment system into the digital age and allow consumers to benefit from better and faster financial services.
Check 21 will improve today's existing system that forces checks to be exchanged physically and often transported around the country several times before the payment cycle is completed.

Check 21 allows a new approach - it makes legal Substitute Check which is a digital picture of your original check which can be processed electronically.

How will Check 21 be better for you?
Detects Fraud Faster - Since check clearing is faster, fraud can be detected and investigated sooner which brings about a quicker resolution.
More Secure Check Information - Checks do not have to be physically transported via truck, train or plane.
Members now have the right to an investigation by their credit union if an error occurs.
When?
Check 21 becomes effective on October 28, 2004 and that is when all financial institutions will have to accept substitute checks the same way they are required to accept paper checks.

As you receive your statement, you may also se some information about the substitute checks mentioned above.

Remember, the substitute check contains exactly the same information shown on your original check and it is considered a legal equivalent.
Important Note
Please keep in mind that you should have sufficient money in your account to cover the payment at the you write your check.