Find Out What's Happening at Adventure Credit Union
Here's The Scoop
We're excited to announce our Adventure Gives Program!
Historically, credit unions have been strong charitable contributors to their communities and Adventure is no exception having consistently donated money to many organizations over the years. This year our goal is to not only to give monetarily to local causes, but to give our time and energy as well. We created a task force in late 2017 to conduct research to determine the best way to focus our monetary and volunteer resources. This task force evolved into the Adventure Gives Team. The Adventure Gives Team selected the following organizations to partner with in 2018:
Greater Lansing Food Bank
Habitat for Humanity Grand Rapids & Lansing
Humane Society of West Michigan & Capital Region
Urban Roots (GR)
Throughout the year we will be assisting these organizations through volunteer efforts and monetary contributions. Read more about these exciting organizations below. In some instances there may be volunteer opportunities for members too! Stay informed by frequently visiting our website or our Facebook page for more information.
Grandville Branch Now Open!
We are excited to announce that our Grandville Branch is now open. The new branch is a stand-alone building with two drive-thru lanes, face-to-face/in-person teller concierges and Member Solutions Associates (MSAs) inside to serve you. The branch is located at the Northwest corner of 52nd St. SW and Wilson Ave. Come on in, check it out and say hello!
In the Credit Union industry, one of our primary missions is to serve our community. While we are lucky enough not to have been directly affected by the hurricanes, it is important to remember we are all a part of the American community. With this in mind Adventure partnered with Direct Relief, an award-winning organization which ensures 100% of donations are used exclusively for hurricane relief efforts. Through the month of October Adventure members made donations at our branches to those affected by the hurricanes. We are happy to announce that through member donations we raised $2,564.26 which Adventure gladly matched bring our total to $5,128.52 sent to Direct Relief to help those affect by the storms!
Big thanks to our members for helping those in need!
Information about Equifax Data Breach
As reported on September 7, 2017, Equifax
discovered a potential breach of consumer data due to an unintentional compromise that lasted from mid-May through July that affected about 143 million consumers. During this breach the hackers gained access to certain files which included some or all of the following personal information:
- Social Security numbers
- Birth Dates
- Driver’s License numbers
- Credit Card Information
At this time Equifax has reported no evidence of unauthorized use of consumer data linked directly to this data breach incident.
To determine if your personal information may have been impacted by this incident please follow this link: https://www.equifaxsecurity2017.com/
Extra Steps to Stay Safe and More Secure Online
- Monitor your credit report, credit card and other financial accounts closely to see if you have any suspicious activity.
- Protect your email account by strengthening your password or enabling two factor identification.
- Be cautious of unsolicited email offers and suspicious links.
- Update your antivirus or malware software on your devices.
For more information on how you can stay safe online please visit: https://staysafeonline.org/stay-safe-online/landing/
Same Day ACH Notice
Beginning September 15, 2017, the National Automated Clearing House Association (NACHA) is implementing a Same Day ACH debit program which will be available for merchants and payment processors for debit entries, enabling the same-day processing of virtually any ACH or electronic payment.
Only international transactions (IATs) and high-value transactions above $25,000 are not eligible.
ACH items are electronically transmitted debit and credit items that utilize your Adventure Credit Union routing transit/ABA number and account number in order to post. These transactions include electronic bill payment and check payments that have been converted by the merchant into electronic check format.
Adventure Credit Union, as with all financial institutions, is required to receive same-day ACH payments from all payment processing companies.
Currently ACH payments take a few business days to process through the Fed System and post to your account. With the changes, your payments and debits may process much faster. Please be prepared as Same Day ACH may cause debits to post to your accounts much faster. Please contact the merchant or company that the payment is being made through to inquire about participation in Same Day ACH.
Starting with payment authorizations for September 15, 2017 and after, please make sure that any payment authorization you make is not made unless the funds are in your account and available. Do not count on a direct deposit or check hold for a deposited item to be released to cover the payment. Authorized transactions may post prior to an anticipated deposit and may result in non- sufficient funds (NSF), Overdraft courtesy pay fees and returned items to merchants for NSF. These may also incur in merchant fees for NSF.
Historically, ACH transactions have been posted to your accounts on the business day following the authorization. For example, you authorize the utility company to withdraw $60.00 for your monthly bill on a Tuesday morning, but the money isn't actually debited until early Wednesday morning.
Under this new rule, ACH debits may post at any point during the day, including the authorization date. That means the payment you make to the utility company on Tuesday may come out of your account on Tuesday (not Wednesday) essentially eliminating any "float."
Thank you for your membership.