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Special Note for Unity One Members

 

Unity One Credit Union switched debit card processors this week to enable a wider surcharge-free ATM network and enhance fraud protection to proactively protect member accounts.

Due to unexpected technical difficulties with this change, some PIN debit card transactions are not being approved. Until further notice, process your payments as CREDIT. If you are in need of CASH, make CO-OP ATMs your first priority. If you incur any fees, the credit union will reimburse the charges. Our Member Contact Center is available to answer any questions you may have.

Please see the hours below.

Contact Center Hours:

Monday - Thursday: 9:00 a.m. - 5:00 p.m.
Friday: 9:00 a.m. - 6:00 p.m.
Saturday: 9:00 a.m. - 1:00 p.m.


Know that your credit union is working feverishly with the card processor to correct glitches so that you are not inconvenienced any further.

Click here to locate a CO-OP ATM.

Click here for more information on the enhanced fraud protection.

Credit Union Informs: Kansas City Member Appreciation Day

 

Unity One Credit Union is hosting its annual Member Appreciation Day for Kansas City members Friday, September 19 from 11 a.m. - 2 p.m.

KCMADHB1 2014

 

About Unity One Credit Union

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals.

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has seven branches to serve over 29,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™

Unity One Helps Members Fight Debit Card Fraud

 

With recent payment system breaches at notable retailers nationwide like Home Depot and Target, debit card fraud has been on the rise. Consumer data has been compromised, unfortunately, and all financial institutions are recouping customer losses.

If fraud occurs on your Unity One Credit Union debit card, we are here to help you make it through the ordeal. Here are some Frequently Asked Questions (FAQs) that provide more information.debit card fraud pic resized 600

Q: Has Unity One CU been compromised?
A: No. Account information can be stolen when you swipe your debit card anywhere like Home Depot, Target, Cub Foods, etc. Unfortunately, debit cards are easy targets. In fact, no matter where you bank, it is important that you watch your transactions closely.
 
Q: There are unauthorized charges coming out of my account. What do I do?
A: You will need to complete one form--a Debit Card Dispute form. The form may be ound on the Unity One Credit Union Web site.
 
Q: Are there any special instructions for completing the forms?
A: Please list the date of the transaction, not the date that the withdrawal clears the account. Also, the signatures on the forms need to match the name on the card affected.
 
Q: Do I have to visit a Unity One Credit Union branch to complete this process?
A: No. The forms may be faxed. All signatures need to be on the forms.
 
Q: How soon will I get my money?
A: In the majority of cases, Unity One CU members will receive provisional credit within 24-48 hours.
 
Q: I want to talk with someone about this. Who can I call?
A: You may always contact our Member Contact Center at 1-800-628-5517.
 
Q: How can I prevent unauthorized charges from happening in the future?
A: Monitor your accounts closely at all of your financial institutions. Here, at Unity One CU, you can sign up for e-alerts through the credit union's home banking system. Finally, notify your financial institution immediately if you notice suspicious activity.

Report Fraud

Credit union informs: Home Depot confirms breach

 

Home Depot has confirmed that a data breach occurred on their payment data systems in their stores in the United States and Canada and dates back to April 2014. Home Depot

Home Depot is offering free services including credit monitoring, identity monitoring and an identity theft insurance policy for anyone who shopped at a store since April 2014. Currently, they believe online shopping was not impacted. For more information about these services, please visit https://homedepot.allclearid.com/.
 
According to Krebs on Security, a massive amount of credit and debit card numbers went on sale on the black market September 2nd. Some news outlets estimate that as many as 60 million debit and credit card accounts were compromised. In addition, reports have mentioned that this is a variant of the same malware that caused the Target breach, affecting 40 million card numbers, in 4Q 2013.

What can you do?

  • Closely monitor your accounts for suspicious transactions, and report them immediately by contacting the Unity One Member Contact Center at 1-800-628-5517 or notifying us online.
  • Sign up for e-alerts through home banking. If you are an e-statement user, you can sign up to receive free e-mail or text message alerts, notifying you of low balances, unauthorized account activity, routine withdrawals or deposits and much more.

Here are some helpful links for more information:

Home Depot Official Press Release

Home Depot Official FAQs

CNN Article on Home Depot Breach

Unity One Credit Union celebrates milestone

 

Unity One Credit Union reached an important milestone September 3; it acquired its 30,000th member. A milestone such as this one warrants a look back on the credit union's rich 87-year history and its legacy of listening.unity one 1927

What began as a modest operation conceived of by railway clerks from the Great Northern Railroad with business hours at lunch and transactions performed by volunteers, the credit union has grown to 30,000 members and assets of about 208 million dollars.

“We have been successful by listening to our members,” says Unity One CU president and CEO Gary Williams.

In 1927, the credit union’s nine founders seriously considered comments made by other railway employees regarding banks’ treatment of them. As an answer to banks rigidity, they encouraged employees to pool their resources and create a cooperative alternative to meet basic financial needs.

In doing so, the founders began a legacy of listening. For 87 years, Unity One CU has remained connected to its members through consistent surveying, focus groups and informal discussions. The pursuit of information has endured through two railway mergers, five name changes and four president and CEOs.

In 1997, still connected only to the railroad industry, the credit union conducted a major survey that revealed members’ wish to have a credit union branch located on the newly constructed BNSF campus in north Fort Worth. Once again, Unity One listened, completed the construction of its new branch in 1998 in Fort Worth and decided to move its headquarters from St. Paul, MN.

It was also in 1998 that Unity One expanded its field of membership to include other companies throughout north Fort Worth and St. Paul. That list continues to grow today.

Then in 2001, the credit union took another step in the name of expansion and added underserved areas in Fort Worth and St. Paul to its field of membership. Not long after, Unity One merged with Justin Industries Federal Credit Union in 2002. The uniting of the two entities increased membership and assets and encouraged the adoption of the non industry-specific name used today—Unity One Credit Union.

More free ATMs for Unity One members

 

Starting September 17, Unity One Credit Union members will have more options for FREE ATMs. You can expect more free access to the following:

  • International locations (Canada, UK, Mexico, and Australia)

  • Grocery and convenience stores like 7-Eleven, Walgreens, CVS, some Kroger's, Walmarts, Kmarts, Targets and Costcos.

  • Gas stations like QuikTrip and Murphy's Gas

  • Banks like US Bank

  • And...credit unionsunity one atms

Frequently Asked Questions (FAQs)

What is the change, and how does it affect me?

Unity One is changing debit card service providers September 17. This conversion opens many doors, the most important being that we have joined the following ATM networks which equals more free atms: NYCE, SUM, MoneyPass, Allpoint ATM networks. We will retain the COOP network. This means more surcharge-free ATMS. The switch will take place September 17, 2014.

Will I experience any change when I use my debit card?

You, as a member, should not notice any change but your expanded ATM network. You will have more, FREE ATMs at your fingertips.

Will I still be able to use Wells Fargo and 7-Eleven ATMs?

Yes and no. You will be able to use Wells Fargo ATMs; however, you will be charged a fee. Not all Wells Fargo ATMs are on the new networks. 7-Eleven stores are still available to you with no fee associated.

Will I get a new debit card?

No. Unless your card is lost, stolen or broken, you should not need a new card. However, keep in mind that if you require a card between August 20 and September 17, you will not receive it until after September 17 when the conversion is complete. Take care of your plastics.

My debit card is going to expire soon. Will I get a new card?

Yes, you will. In fact, replacements have already been ordered for cards that expire in September and October.

  Contact Us

Credit union informs: Unity One takes the Ice Bucket Challenge

 

Last Friday, Unity One Credit Union completed the Ice Bucket Challenge benefiting the ALS Association. The challenge has been successful at both raising awareness and money for Amyotrophic Lateral Sclerosis, which is more commonly known as Lou Gehrig's disease. ALS is a progressive neurodegenerative disease that affects nerve cells in the brain and the spinal cord.

Gary Williams, president, and Erayne Hill, vice president of marketing, both took part in the challenge. Williams challenged Mark Massey of My Credit Union and Ron Fox of Fort Worth City Credit Union to participate as well. 

 

In addition to Williams' participation in the challenge, Unity One proudly donated funds to the ALS Association. For more information on the ALS Association visit http://www.alsa.org/

Make a donation to the ALS Association

Credit union informs: KC branch hosts Business After Hours

 
Unity One Credit Union

Unity One Credit Union will host a Business After Hours event on Thursday, August 28 for the Greater Kansas City Chamber of Commerce.

The free event, open to members of the Chamber, will be held from 4:30 to 6:30 p.m. at 4150 Kansas Ave., Kansas City, KS. It will include refreshments. Bring your business cards, and make new contacts.

In addition to meeting members of the chamber, free document shredding will be available to guests. Pro Shred will be on-site to shred documents starting at 4:30 p.m.

The Greater Kansas City Chamber of Commerce, the voice of Kansas City business since 1887, represents more than 2,500 businesses with a two-state regional workforce of over 300,000.

For additional information, contact Nancy Holtgrieve at 913-342-9039.

Find a Branch or Free ATM

About Unity One Credit Union

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals.

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has seven branches to serve over 29,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™

North Fort Worth & St. Paul, MN school supply drives

 

Unity One Credit Union supports the following school supply drives in the north Fort Worth (Saginaw) and Saint Paul, MN areas.

BNSF Community Services

B2S Merrick Unity   Cray resized 600

About Unity One Credit Union

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals.

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has seven branches to serve over 29,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™

Credit union informs: survival for college students

 

15 Things You Can’t Survive College Without

By Rachel Williams, Unity One Credit Union summer intern and Stephen F. Austin University junior


Packing for college can be a nightmare. The move-out date creeps up on you, and soon you have only a few days to pack up whatever you think you will need in the next chapter of your life.Rachel2

I have found these things to be absolutely necessary in surviving college life:

  1. Mattress pad. The ancient, run-down mattress they offer you will not be comfortable. Trust me.

  2. Rug. Find the biggest rug you can to fill up your whole room. This will make your room feel so much homier.

  3. Blackout curtains. I’m serious about the blackout. When you can sleep in, you will want to, and you will want your room as dark as possible.

  4. Shower shoes. The community bathrooms in dorms are not clean. No matter how many times the cleaners come, you will always need to wear shoes in the shower.

  5. Alarm clock. Even though most people use alarms on their phones these days, a real alarm clock actually makes you get so that you will be less likely to skip your classes.

  6. Storage bins. Come with as much storage as possible. You can fill these bins with all your stuff that won’t fit anywhere, and tuck them under your bed.

  7. Hand sanitizer. Bring a large bottle. Germs spread like crazy being in such close proximity with others. Use it religiously.

  8. Fan. You can’t control the temperature in your room, and rooms tend to get hot. A fan will help you cool down, and it’s also good for white noise.

  9. Ethernet cord. The internet will suck. Help make it a little better.

  10. Planner. I could not survive college without my planner. It helps keep track of all the millions of things you will have to do.

  11. Shower caddy. This makes life easier. Just throw all your bathroom needs into it, and carry it down.

  12. Brita Water Filter. Storing large packages of water bottles can take up too much room and become expensive. Having a Brita is so much easier and saves you money.

  13. Febreeze. Candles, and any sort of incense will not be allowed, but you will need fragrance every once in a while.

  14. Extension cord. There will be way more plugs to plug in than you expect, and you will need the extra.

  15. Headphones or ear plugs. Dorms are noisy. No one is going to be on the same schedule, and your roommate might even be loud. You will need them.

To help make your packing even easier, there is now an iPhone App: College packing list. Download it now, and get to packing!

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