Internet Banking

GRASSROOTS EFFORT -
PROTECT YOUR PRIVACY AND YOUR CREDIT UNION

The Build Back Better Act proposed by President Biden is under review in Congress. The review process includes developing a proposal to determine how to pay for the cost of implementing the Act. The proposal includes expanded reporting requirements for financial institutions.  Specifically, financial institutions would be required to report annual inflows and outflows totaling $600 or more for all accounts to the Internal Revenue Service (IRS). 

Congressional intent is to ensure Americans honor their tax obligations, particularly business owners who may underreport income. Trade organizations for all financial institutions, including NAFCU and CUNA, strongly oppose the proposed IRS reporting requirements on the following grounds:

  • The proposal creates a significant burden on financial institutions and small business owners
    • Reporting on the gross inflows and outflows above $600 will create an enormous amount of additional data filing with the IRS at a significant cost to financial institutions
    • In past public testimony, IRS representatives have stated the IRS does not have the capacity to utilize the current level of data filing, rendering additional data filing ineffective at best
    • Financial institutions will be required to design new tracking and reporting systems across all delivery channels to ensure regulatory compliance which is especially burdensome on smaller financial institutions due to a lack of economies of scale
    • Small business owners will be burdened with increased tax preparation costs when so many small businesses are already struggling for survival
  • The proposal creates significant consumer privacy and data security concerns
    • Reporting requirements violate consumers’ personal privacy by forcing financial institutions to provide the IRS with information that does not reflect taxable activity
    • Violations of personal privacy will lead more individuals to be “unbanked,” destroying decades of effort to improve financial literacy and financial well-being at all socio-economic levels
    • The IRS is a frequent target of cyber criminals and has suffered significant data breaches due to its decades old data systems, which creates a grave concern when considering the tremendous amount of additional sensitive financial data reported

Please contact your United States Senator and House Representative and ask them to oppose the new IRS reporting provisions in the Build Back Better Act. To find your legislators, go to:

https://www.senate.gov/senators/senators-contact.htm

https://www.house.gov/representatives/find-your-representative

 

 

PHONE SYSTEM UPGRADE

East Texas Professional Credit Union will perform a phone system upgrade on Monday, October 4, 2021. All phone system options, including the automated teller, will be unavailable during the hours of 9 p.m. until midnight. We apologize for any inconvenience this may cause.

Online and mobile banking will remain available during the upgrade. Thank you for choosing East Texas Professional Credit Union for your financial needs.

 

SCAM CALLING

Please be advised that some East Texas Professional Credit Union (ETPCU) members have reported very aggressive attempts to fraudulently obtain their account information.  Tactics most recently include a call from a fictitious Amazon representative referencing a fraudulent charge to your account.  This representative, in some instances identifying himself as Dave, then states that they will transfer you to an ETPCU Fraud department employee who attempts to obtain the member’s card information. As a reminder, ETPCU staff will never ask for more than the last six digits of the card number to identify your account.  Staff will never ask for your expiration date, CVV (three-digit code on the back of the card), or who’s name appears on the card.

 

East Texas Professional Credit Union is working diligently to resolve this matter. However, in the interim, please note that the Credit Union will never call you and ask for card information, internet banking credentials, or any other personal information. Should you fall victim to any such scam, please contact a Member Service Representatives immediately at 903-323-1238 or 800-256-5009, ext. 1238 during normal business hours. If after hours, please contact 866-664-9364 to verify any recent transactions, and to cancel your card immediately if any fraudulent activity exists.

 

 

MOBILE APP DOWNTIME SCHEDULED

In an effort to provide a high-quality experience for all users, East Texas Professional Credit Union will be performing system maintenance on Monday, December 7, 2020 beginning at 12:00 AM CST and lasting through approximately 4:00 AM CST. During this downtime, members attempting to access their accounts via our mobile app will receive a friendly message stating that the service is currently unavailable due to system maintenance.  This will not affect internet banking users, as they will still be able to login to their accounts through our website at www.etpcu.org.

We apologize in advance for any inconvenience this may cause you.

 

 

ETPCU BRANCH LOBBIES OPEN WITH RESTRICTIONS

Effective Friday, May 1

In response to Governor Abbott’s announcement to begin Phase One to reopen Texas, East Texas Professional Credit Union will open branch lobbies with traffic restrictions. Lobby tellers will be available for all normal member business. However, social distancing will be observed, thus limiting the number of teller windows open. Lobby teller traffic will be organized to create social distancing, which will limit the number of members allowed to utilize the lobby at any given time. Financial Service Representatives will be available on a walk-in basis. If all Financial Service Representatives are busy, members will be asked to wait in their car for the next available employee. While not ideal, we are taking these steps to support social distancing in branch lobbies and waiting areas.

Members are encouraged to utilize drive-thru services for teller transactions to reduce lobby teller traffic. Expanded drive-thru services will continue to be available. Drive-thru hours of operation will return to pre-Covid-19 times:

7:00 am – 7:00 pm Monday – Friday (Longview Main Branch)

7:30 am – 6:00 pm Monday – Friday (All other branches)

8:00 am – 1:00 pm Saturday

The Credit Union offers a variety of automated services for members to transact business while avoiding public contact. Most business can be transacted through our mobile app, via online banking, or by phone. The Call Center is available at 903.323.0230 or 800.256.5009 for personal service without public contact. 

Thank you for your patience as we begin the process of reopening our great state. It is our privilege to serve you.

 

FRAUD ALERT UPDATE

East Texas Professional Credit Union will NEVER request any personal financial information from you through email, social media or text. We will only require identifying information when YOU CONTACT US via phone.

Several members have reported receiving calls from an individual claiming to work for the Credit Union.  The caller is currently using the name Angelo Davis.  This caller is telling members their debit card has fraudulent activity for thousands of dollars.  During these calls, the caller is requesting our member provide their debit card PIN so he can change it to a new PIN as he moves through several questions during the phone call.  East Texas Professional Credit Union will NEVER request your PIN or offer to change it for you over the phone.

For your security, please DO NOT respond to any phone calls, emails, social media messages or texts that request personal information, even if it appears that the contact came from a company that you typically conduct business with. If you receive a contact that requests personal information, DO NOT RESPOND, or click on any links within the message or use any phone numbers provided in the message. Instead, contact the company yourself using publicly published contact information and report any suspicious communication.

Don’t be a victim. Scams involving debit cards are on the increase, and many new methods are being utilized.

Please remember, ETPCU personnel will NEVER ask for your PIN. Additionally, if you have a question about any correspondence you receive, call the Credit Union at 903-323-0230 or 800-256-5009. If you are calling after normal business hours about your debit or credit card, please call the number on the back of your card. To ensure you are speaking with ETPCU personnel, do not call any other number provided in an alert or message.

 

CREDIT CARD COVID-19 RELIEF

To further assist members impacted by COVID-19, the Credit Union is working with MasterCard® to allow cardholders to skip their credit card payments for June, July and August 2020. A message will appear on cardholder statements beginning in May. 

Credit cards set up on Auto Pay will not skip their payment without cardholder action. Cardholders can cancel their Auto Pay by:

  • Calling the number on the back of the card;
  • Calling the Credit Union directly at 903.323.1245; or
  • Going to gotomycard.com

Cardholders choosing to cancel Auto Pay must reinstate the Auto Pay feature for September in order for automatic payments to resume.

Credit cards that have been active or opened less than three months (March 1, 2020) are not eligible to skip credit card payments. Interest will continue to accrue on credit card balances, regardless of cardholder participation in the skip program. Cardholders may continue to make payments through Auto Pay or any normal delivery channel, if they choose.

Thank you for choosing East Texas Professional Credit Union for your financial needs. It is our privilege to serve you.

Thank you

 

COVID-19 Stimulus Scams

Congress has recently passed a large COVID-19 relief and stimulus package, and unfortunately, criminals are exploiting the stimulus/relief program to victimize the public. The U.S. Secret Service has observed a rise in stimulus/relief fraud and has warned that the fraud attempts are anticipated to increase throughout the pandemic.

Criminals are using a variety of means to contact potential victims. They may utilize a fake email address posing as the U.S. Treasury and request personal information. They may also utilize text messages, robocalls and other messaging platforms which provide a link to a website that prompts the potential victim to enter personal identifying information. In some instances the attack contains the victim’s real name, giving the appearance of legitimacy.

Official stimulus/relief information regarding COVID-19 will NEVER be sent via text/SMS or any other messaging platforms.

Individuals seeking information about the stimulus/relief program should contact the specific government agency via its website for guidance. Individuals should follow protocols published by those government websites.

 

Coronavirus COVID-19 Update
March 24, 2020

East Texas Professional Credit Union (ETPCU) continues to monitor the latest news regarding the Coronavirus (COVID-19). The Credit Union is currently operating under our Pandemic Preparedness Policy. At this time, all 14 ETPCU branch locations are open normal business hours in both the lobby and drive-thru.

ETPCU understands our role in the critical services sector of banking and we continue to strive to provide outstanding service to our members during this time of crisis. We ask that you utilize our automated services when possible and observe the social distancing and other safety procedures as recommended by the CDC in conducting your in-person transactions for both your safety and the safety of our employees. (Click here for a link directly to the CDC website.)

Electronic and Non-Lobby Services:

Drive-thru Service is available at all of our Branch locations. Please check our website for the hours of operation for each location. We are currently evaluating opportunities to expand additional services through the drive-thru for your convenience.

Call Center Service is available Monday through Thursday 9:00 am through 5:00 pm, Friday 9:00 am through 6:00 pm, and Saturday 9:00 am through 1:00 pm. The Call Center can be reached at 903.323.0230 or 800.256.5009.

ETPCU has 36 local ATMs located throughout East Texas.  On-site branch ATMs include deposit capable machines which can accept both cash and check deposits.

ETPCU’s free mobile app offers free mobile deposit by simply snapping a picture of your check. The mobile app also allows you to apply for a loan, transfer money, pay bills and much more. If you have not already done so, go to your device’s App Store and download the free mobile app today. 

Online banking also offers you 24/7/365 money management tools. Online banking features include the ability to apply for a loan (with electronic closing available for some loan types), pay bills, transfer money between your accounts, and review your statements and current account history. 

With 24/7/365 electronic access to your accounts and convenient, quality service through our branch drive-thrus and Call Center, your Credit Union offers a variety of ways to conduct your business on your terms as we work together to overcome this national emergency.

Financial Assistance

While the safety of both our members and staff are among our top priorities, the COVID-19 outbreak has resulted in both loss of income and in some cases job loss to many of our members. ETPCU is here for you in both the good and the bad times and we fully understand that this is a challenging time for many of our members. Please allow us to assist you during this time of need.

  • If you are currently struggling to make your loan payments, please contact your loan officer, local branch or the Call Center. You may be eligible for our emergency payment deferral program.
  • If you have lost your job or your income has been significantly reduced you may be eligible for an emergency COVID-19 loan. Please call the loan department at 903.323.1244, your local branch or the Call Center at 903.323.0230 to apply.
  • Effective immediately, we will waive the $10.00 convenience fee for loan payments made by phone with a debit or credit card from another financial institution.

East Texas Professional Credit Union is here to help you now as we navigate this crisis. Texas Strong since 1953.

 

Coronavirus COVID-19 Update
March 16, 2020

Your Board of Directors and management team at East Texas Professional Credit Union (ETPCU) continue to monitor ongoing developments related to the Coronavirus (COVID-19) national emergency. While meeting your financial needs is always our goal, the health and safety of our members and employees is of the utmost importance. 

At this time, all branches, the call center, support departments and ATMs (including deposit capable) remain open. As a reminder, your Credit Union offers a variety of ways to access your accounts. ETPCU offers a free mobile app with a variety of tools to meet your banking needs from home, work, or anywhere you might be. You can deposit checks, transfer money, pay bills, check balances and account history, apply for a loan, control your ETPCU debit and credit cards and more. Online banking is available at etpcu.org. Online banking also allows you to transfer money, pay bills, check balances and account history...and more.

If you have not already done so, go to your device's App Store to download ETPCU's mobile app today. Once enrolled, you can use the same login credentials for mobile banking and online banking.

Although the virus and its impact is unpredictable, be confident that your Credit Union remains committed to serving your financial needs. Updates will be available on your Credit Union's Facebook page and at etpcu.org.

 

FRAUD ALERT

East Texas Professional Credit Union will NEVER request any personal financial information from you through email, social media or text. We will only require identifying information when YOU CONTACT US via phone.

For your security, please DO NOT respond to any phone calls, emails, social media messages or texts that request personal information, even if it appears that the contact came from a company that you typically conduct business with. If you receive a contact that requests personal information, DO NOT RESPOND, or click on any links within the message or use any phone numbers provided in the message. Instead, contact the company yourself using publicly published contact information and report any suspicious communication.

Don’t be a victim. Scams involving mobile devices are on the increase, and many new methods are being utilized.

Please remember, ETPCU personnel will NEVER ask for your PIN. Additionally, if you have a question about any correspondence you receive, call the Credit Union at 903-323-0230 or 800-256-5009. If you are calling after normal business hours about your debit or credit card, please call the number on the back of your card. To ensure you are speaking with ETPCU personnel, do not call any other number provided in an alert or message.

 

Financial Security

East Texas Professional Credit Union strongly encourages all members to pay with an attendant for all gas transactions. The use of skimmers is on the rise and fraudsters continue to target gas pumps. Skimmers are no longer only located on the outside of the pump, so recognizing an affected pump is difficult. Your risk of information theft from a skimmer can be greatly reduced when you pay an attendant inside rather than paying with your card at the pump.