Last updated 10 hours ago
16.6 million Americans age 16 or older were victims of identity theft in 2012 according the Bureau of Justice Statistics, and losses totaled about $24.7 billion. Identity theft can take months or even years to resolve, making it difficult to open new accounts or credit lines. Below is a brief look at how to prevent identity theft with GCS Credit Union.
Identifying Identity Theft
Identity theft often isn’t as obvious as a few major transactions or several new credit cards under your name; thieves will often charge small, innocuous transactions over a long period of time. Keep track of calls from debt collectors or the IRS, but do not give out personal account info or your Social Security number to anyone over the phone.
If you do notice signs of identity theft, it’s important to act immediately. There are three major credit reporting agencies—Equifax, TransUnion, and Experian—but you only have to contact one of them to place a fraud alert on your file (you will have to provide proof of identity in this case). Submitting an identity theft report requires several steps: submit a complaint to the FTC, print out the Identity Theft Affidavit, file a police report, and attach your FTC Identity Theft Affidavit to a copy of the police report.
Order your own up-to-date credit reports—you are legally entitled to one after placing an initial fraud alert—and dispute any errors promptly. Resolving identity theft will take a lot of phone calls and paperwork, so it’s important to keep up with deadlines and submit all necessary requests on time. Create a timeline and keep everything neatly organized, especially original documents. Also log the dates and numbers of each phone call.
GCS Credit Union of O’Fallon, IL takes pride in maintaining long-lasting relationships with our membership through friendly service and expert financial advice. Contact us at (618) 219-8600 to learn more about our financial services and exclusive membership benefits, or visit us online to find a location nearest you in Madison, St. Clair, Jersey, Macoupin, Montgomery, Bond, Clinton, Washington, Randolph, and Monroe counties.
Last updated 2 days 11 hours ago
GCS Credit Union is a community of financial experts committed to helping our members get the most out of their savings. To that end, we’ve created the GCS Prime Time Club as one of our many exclusive services.
The GCS Prime Time Club is designed to provide our senior members with valuable discounts, bonus rates, and free services. Eligible members who are at least 60 years of age with an open checking account and a minimum deposit of at least $60,000 will automatically receive our prime .25% bonus rate on share savings accounts. We offer free basic checks, teller checks, and notary services to meet all of your financial needs without any hassles or hidden fees. And when you do find yourself away from home, we also cover all foreign ATM fees so that you’ll always have access to your money wherever you are.
GCS Credit Union of O’Fallon, IL has been serving the Madison, Montgomery, Monroe, and the surrounding communities since 1941, and we continue to value our members’ best interests above all else. To find out more about the advantages of banking with GCS Credit Union, follow the link or contact us at (618) 219-8600 with any questions.
Last updated 6 days ago
GCS Credit Union has always focused on giving as much to the rest the community as much as possible, which is why we offer a wide range of exclusive benefits to help members save on popular products and services—many of which they already use! This short clip covers just a few discounts available to all of our credit union members.
Every member of GCS Credit Union is eligible to receive discounts through the Invest in America Program. Still haven’t done taxes? Take advantage of discounts on TurboTax to get the refund you deserve, then kick back and relax with discounted DirecTV services. And with even more discounts on Sprint and Dell, back-to-school shopping will be that much easier at the end of summer.
This is just a brief look at our exclusive membership discounts. Follow the link to learn more, or contact us at (618) 219-8600 to find a location nearest you in Madison, St. Clair, Jersey, Macoupin, Montgomery, Bond, Clinton, Washington, Randolph, and Monroe County.
Last updated 14 days ago
There are a lot of benefits of becoming a member of GCS Credit Union. Unfortunately, not everyone qualifies for membership within our credit union. In order to join the GCS family, you must live, work, or go to school in the following counties in Illinois: Madison, St. Clair, Jersey, Macoupin, Bon, Clinton, Washington, Randolph, and Monroe. Businesses are eligible for an account so long as they are established in those counties. Members of approved employee groups are eligible for membership, as are members’ spouses, children, grandchildren, parents, brothers, and sisters.
To see if you qualify for membership with GCS Credit Union, visit our website or stop by and see us in O’Fallon, IL today. If you have questions about our financial services or membership in our credit union, call us at (618) 219-8600.
Last updated 16 days ago
If you’re ready to say goodbye to public transportation, buy your very own car and enjoy the freedom of going anywhere, anytime. But if you’re a first-time car buyer, the entire process can seem like a daunting task. From finding the right car to applying for auto financing, there are a lot of steps you need to take before you drive away from the dealership in a car of your own. To help streamline the process, and make it a whole lot less scary, here are some tips for buying your first car.
Apply for a Loan
Before you start visiting dealerships or building your dream car online, apply for an auto loan at your credit union to determine how much you will have to spend on a new or used car. If you are not yet a member of a credit union, know that these financial institutions typically offer better rates on car loans than traditional banks. And if you have a troubled financial history, a credit union will be more willing to work with you than a big bank.
Do Your Research
After you get pre-approved for auto financing, go online and start browsing vehicles at dealerships in your area. Knowing how much you have to spend, you can narrow down your search based on price alone. Make a list of 10 vehicles you want most, and read online reviews to learn the ins and outs of each model before you take them for a test drive.
Although you may be anxious to get on the road and enjoy the freedom of owning your very own vehicle, be patient in your search. Don’t purchase the first car you test drive, and don’t always purchase from the first dealership you visit. By shopping around and taking your time, you will be confident that you are getting the best deal on the vehicle you really want.
If you are starting the process of buying your first car, GCS Credit Union can help. Located in O’Fallon, IL, we offer great rates on auto loans for our members. To learn more about our auto financing rates, visit our credit union or call us at (618) 219-8600.