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Consumer News

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.

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.

  • 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. 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.

eServices Offline for Scheduled Maintenance 

6/11/2021: At approximately 9 PM - 10:30 PM on Thursday, June 17, 2021 and Tuesday, June 29, 2021 OUR eServices will be offline for scheduled system maintenance. Mobile Banking, Telephone Banking, and Online Banking will be unavailable during this time. Limited usage for debit cards will also be in effect. We apologize for any inconvenience this may cause. 

Information Regarding Stimulus Deposits

3/12/2021: Stimulus deposits will be distributed in the coming weeks. For the most up-to-date information, visit the IRS website.

  • Log in to Online Banking (or via the Mobile App) to see if your stimulus deposit has been made. It will appear in the 'pending transactions' section. If your deposit is pending, please know it will post on the scheduled date and we are unable to post the deposit prior to the scheduled date. 
  • If you do not have a direct deposit set up through the IRS, paper checks will be issued. (We do not know when deposits will arrive). 
  • Free File Fillable Forms are available if you are a non-filer. 
  • Signing up for eAlerts allows you to quickly and easily set up account notifications.

Please remember we do not know when members will be receiving their payments and we are unable to release pending transactions prior to the scheduled date. 

Mortgage Offer Scam (Postcard Mailer)

11/2/2020: We have been made aware of a postcard scam targeting OUR Credit Union members. This offer is not from OUR Credit Union and is a scam. See a sample of the postcard here. 

Attention Visa Card Holders

10/30/2020: Effective February 1, 2021, your OUR Credit Union Visa card will no longer provide Auto Rental Collision Damage Waiver & Warranty Manager benefits. All other card benefits will remain in place.

Download descriptions of your card benefits, or call 248-549-3838 to request a copy by mail.

Visa will offer a Norton Life Lock benefit beginning February 1, 2021. More information on new offerings will be made available at a later date.

Fraud Rises Amidst Covid

Updated: 6/18/2020: Unfortunately, fraudsters are taking advantage of the fears and thirst for knowledge on the Coronavirus. Use caution when accessing links from emails, social media and websites and be careful to make sure any links you click on are from legitimate sources. If you are uncertain, don't click.

Phone Scam Alert - Oakland County Health Division

2/27/2020: Oakland County authorities warn the community of a phone scam targeting older adults with the caller impersonating Oakland County Health Division employees. Numerous older adults reported receiving a phone call from the Health Division requesting social security and Medicare numbers for: Medicare billing, a Medicare breach, or because their doctor said they qualified for a knee brace. Oakland County Health Division does not contact residents to request personal or protected information over the phone. Read the complete article here. 

Read About:

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.

Tax Identity Theft

With tax season upon us: learn more about how to protect yourself from Tax ID Theft

Direct Deposit/ACH 

Download our MICR Number Cheat Sheet to ensure proper processing.

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 prefer to speak to someone in person, you can visit your local Social Security office with the necessary information. 

Be Aware

  • There is an 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.

Wire Scheme Alert

7/16/2018: There have been 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 often 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. 

Learn more about how to protect yourself from fraud: