Deter, Detect, Defend: Enroll in Free Credit Monitoring!

There is no absolute 100% guaranteed way to prevent fraud, but we believe the best way to protect yourself and your assets is to monitor your credit activity.  We offer Credit Monitoring as a benefit with all personal checking accounts at St. Cloud Federal Credit Union.

While this service is automatically included with all our personal checking accounts, you must enroll to activate your Credit Monitoring. 

 

Once enrolled, you will automatically receive alerts by email (or text if you choose) when changes are made to your credit. Our daily monitoring service will notify Members of any new inquires, certain derogatory information, accounts, public records, or change of address that have been added to their credit reports by any of the three major credit reporting agencies. 

Credit Monitoring is a service provided in the form of 3-Bureau Credit Alerts from Merchants Information Solutions.  Through this service, your credit history at all three credit reporting agencies (Equifax, TransUnion, and Experian) is monitored 24/7 for any changes made to your personal records.

Monitoring your Credit is a great step toward becoming more Financially Fit, and we’re here to help in any way we can.  To learn more about our Credit Monitoring services or enroll, stop by or contact us as 320-252-2634.

Our mission is to educate, support, and encourage our Members to become Financially Fit.


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Bill Who? Bill What? BILL PAYER!

With St. Cloud Federal Credit Union, you have the opportunity to use our Bill Payer service, free of charge.  What is Bill Payer, you may ask?

Bill Payer is a safe and secure way to pay your bills online through your checking account at SCFCU.  It’s a great alternative to writing checks or logging onto several individual websites to pay your bills.

Bill Payer is easily accessible through our Online Banking section of our website.  Bill Payer allows you to designate several different ‘payees’; anything from heating and electric, to cable, to your daycare provider.  Most ‘common’ payees (which is about 85% of all payments) will be sent electronically, the other roughly 15% are sent out by check.  Depending on how your payment is sent, Bill Payer only needs a 3 to 6 day lead period to guarantee your payments arrive on time – which can help you avoid late fees!

When you use Bill Payer, your payment history is stored for approximately 18 months, allowing you to review your payments as needed.  Bill Payer also has a built-in security feature that sends you an email alert any time a new payee is created, when a payment is added, or when a payment is deleted – so you’re in the loop of everything that’s going on in your Bill Payer.

Member’s who have tried Bill Payer tell us all the time how much they love it, and that they can’t imagine going back and paying their bills any other way.

If you’re already using Bill Payer, check out our March promotion by clicking here. If you’d like to learn more about using Bill Payer or want to sign up – call or stop by, we’re happy to walk you through it and help get you started! Get #FinanciallyFit and take the stress out of paying bills!

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Reward Yourself!

Are you tired of driving around, wasting all that gas looking for just the right ATM so you don’t get charged those pesky fees? Sorry, we don’t know the feeling.  Why?  Reward Checking, of course!

When you use SCFCU Reward Checking, we reimburse your national ATM fees (up to $25) each month.  By enrolling in Reward Checking, not only will you get those darn fees back monthly, you will also automatically have our 24/7 Fraud Detection benefit with Triple-Bureau Credit Monitoring, as well as Fraud & I.D. Theft Recovery.

If you are interested in Reward Checking, call or stop by! We’re always here to help in any way we can.  For a full list of rewards and details,  click here.  Work toward Financial Fitness today... Reward yourself!

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