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March 2024 Statement NotificationSpring Food DriveWe are sponsoring a Spring Food Drive and will be collecting canned and dry goods at all three branches during the month of April. Please double check expiration dates prior to donation. Collected items will support families in need throughout Howard County. Please consider making a donation during your branch visits. Add Travel Alerts and More with Card ManagementWithin our Digital Banking platforms you can use Card Management controls to protect your cards and transactions. You can:
Click the Card Management tab within Digital Banking to access these controls. If you are using the Mobile App, you may access these controls by clicking the More button on the bottom ribbon. Financial CheckupEmpowering a Heathier Financial Future Financial Checkup is a new feature in our Credit Score solution designed to improve members' financial well-being. This tool offers a detailed spending and cash flow overview, allowing members to analyze budgets and assess debt-to-income ratios through an intuitive Q&A financial assessment. Users receive a Financial Health Network Score and insights through budget analysis. Additionally, the tool provides personalized guidance with recommended steps to reduce spending and enhance debt-to-income ratios for a healthier financial outlook. To get started, log into our Digital Banking platform and click the Show My Score in the Credit Score Box in the upper right hand corner (or click Show Full Report if you have already activated Credit Score). From the landing page, scroll to the middle of the page to locate the Take an Assessment button within the Financial Checkup box. Maryland Top Scams and How to Avoid Them(Maryland Department of Labor -03/05/2024) According to the Federal Trade Commission's (FTC) reporting, Maryland residents experienced fraud losses of about $164 million in 2023, primarily through scam emails. The report designates Maryland as the state with the 5th highest number of fraud and fraud-related complaints. In terms of identity reports, Maryland holds the 11th highest position, with credit cards, bank accounts, and loan leases being the most common theft types. The Baltimore-Columbia-Towson metropolitan area, as defined by the Office of Management and Budget, ranks 25th in the nation for fraud and fraud-related reports. You can access the complete Consumer Sentinel Network data bank report by clicking here. With emails often being the preferred form of contact from a scammer, it is important to take some precautions before clicking any links, downloading attachments, uploading documents, calling the provided phone number, or confirming any personal information. One common method bad actors use to catch you off guard and steal your identity or personal account information is email spoofing, where the sender's email address is altered to mimic a legitimate source. Bad actors, also known as phishers, might also use domain impersonation, which is creating email addresses or domains that closely resemble those of legitimate entities. The emails may look real, may even include real logos. However, these techniques aim to trick recipients into believing that the phishing email is from a trustworthy source, increasing the likelihood that they will fall for the scam. Once you click on a fake link, you may be exposing your personal information and give bad actors access to your identity, passwords, and financial accounts. Be aware and be cautious. Click for Tips to Avoid Fraud and Scams. Remember, APL FCU will never e-mail, call or text you asking for your account information. If you are in doubt about any incoming emails or calls, contact the Credit Union directly. It is better to be safe than to give out any account or personal information. Members should expect a call from APL FCU if they have requested a Wire Transfer.Thank You for Making APL FCU #1 Again!Subscribe to our YouTube channel for more helpful APL FCU videos.
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