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Consumer News

Direct Deposit/ACH Processing

Download our MICR Number Cheat Sheet to ensure proper processing.

Direct Deposit - Social Security

Have you set up your account for Social Security? Once you create an account, you can update your account information without leaving the comfort of your home. Another way to change direct deposit is by calling Social Security at 1-800-772-1213 (TTY 1-800325-0778) to make the change over the phone. If you perfer to speak to someone in person, you can visit your local Social Security office with the necessary information. 

Wire Scheme Alert

7/16/2018: There have been recent reports of scammers luring targets with the false report that social security numbers have been compromised. These scammers are asking targeted individuals to secure their SSN by wiring funds to a beneficiary of no known relation - and are oftern instructed to state a different purpose for the wire. 

As always, if you are unsure of the validity of a request like this, please contact the credit union. 

Fraudulent Phone Calls To Members

5/16/18: We have received several calls from members saying they received a phone call from their computer anti-virus company, claiming the member is owed a refund because the company is going out of business. They are being told that the incorrect amount of refund money was accidentally transferred into their bank account, and are requested to purchase a gift card for the amount of the difference to return to the company. A reputable company would never request that you send money back to them in this fashion. These requests from the “anti-virus company” are not legitimate and should be reported to the Internet Crime Complaint Center at

If you or someone you know has fallen victim to this scam, please change your Online Banking password immediately and call your financial institutions to report the scam.

Here are some great tips on spotting a scam from the Federal Trade Commission:

As always, if you are unsure if you have been a victim of fraud, call us at 248-549-3838.

Equifax Breach

9/8/2017: You may have heard about the most recent breach at Equifax. The breach is still being investigated, so details of how it happened are not released yet. You can read this article for more specifics on the type of information thought to be affected and what you can do.

Remember, if you have our Premium Account and are signed up online, you are covered with ID Protect credit monitoring. If you'd like more information about this account and how to sign up, please call us today: 248-549-3838. 

Be Aware Of Romance Scams 

7/19/17: Romance scams target victims, who may be emotionally vulnerable, with companionship and friendship. The goal of the criminal(s) perpetrating the crime is to get the victim to send them funds, which they claim are for a wide range of necessities such as travel, medical care, or a business opportunity.

The fraudster, who is often located internationally but portrays themselves as American, will contact the victim through social media networks, online forums, or dating sites. After making contact, the fraudster will attempt to develop a deeper relationship with the victim. While men can be targets, the victims of romance scams tend to be women over the age of 50.

Learn more here.

As always, if you are unsure if you have been a victim of fraud, call us at 248-549-3838.

NCUA Warns of Text Phishing Scam

The National Credit Union Administration has received consumer calls about a suspicious text message claiming to come from the agency. The message reads: “National Credit Union Administration Alert for (recipient's phone number). Contact 844-234-5445.”

This is not a communication from NCUA. The agency does not seek personal information through the internet or on the telephone.

Please contact NCUA's Consumer Assistance Center at 1-800-755-1030 between 8 a.m. and 5 p.m. Eastern if you receive one of these messages. NCUA also recommends contacting your credit union and local law enforcement. 

Learn more here.

Card Protection

Know that we take the security of your data very seriously and we use state of the art fraud detection software to review all purchases on both our Mastercard debit cards and Visa credit cards to mitigate fraudulent transactions.

Tax Identity Theft

With tax season upon us, we want to make sure we're sharing resources with you regarding Tax ID Theft. Learn more about how to protect yourself here. 

We're committed to protecting your financial information

Personal information should never be given in response to unsolicited text messages, emails or telephone calls - even if they appear to be from a legitimate source. OUR Credit Union will never contact members via phone, email, text message to request personal information such as account numbers, passwords, debit or credit card numbers and (PIN) personal identification numbers.

  • To report a lost or stolen card credit or debit card, please contact OUR Credit Union.
    • Visa - 800.828.3901 or after hours: 800.991.4961
    • Debit Card - 248.549.3838 or after hours: 800.472.3272
  • To report suspicious activity or if you have been a victim of fraud, please call us at 248-549-3838 or contact your local police department.

Information sent by email is at risk of loss of confidentiality if the information is transmitted over the internet. We do not recommend sending confidential information such as account numbers, PINs or social security numbers via email.

Online and Mobile Safety Tips

Fraud Prevention
OUR Credit Union will never contact you requesting personal information. Be especially cautious during the holiday season, as fraud always increases at that time of year.

Be Aware

  • There is a very active and organized group in the area stealing purses and wallets out of cars. If the door is locked with a purse or wallet visible, thieves have been known to break car windows.
  • The selling of ATM/Debit cards as well as PINs is a very prevalent fraud problem. A lot of these people are recruited on social media sites. People that sell their ATM/Debit card and PIN should realize they can suffer financial loss and prosecution.

Learn how to protect yourself from fraud by visiting the State of Michigan's Consumer Alert website and MyCreditUnion's Tips to Avoid Fraud and Scams