Safety and Security

CARD LOST OR STOLEN

Visa Debit Card call 888-918-7716
Visa Credit Card call 866-820-2973
NOTE: The card you report as lost/stolen will be deactivated/canceled. If it is linked to any automatic payments or shopping sites, you will need to update your new card number when it arrives. For any additional assistance or questions, please call us at 973-947-1000.

Image of the Ridgedale Federal Credit Union Visa Debit Card Image of the Ridgedale Federal Credit Union Visa Credit Card

 

RIDGEDALE FCU ACCOUNT COMPROMISED

If you think that any of your Ridgedale FCU accounts have been compromised in anyway, please take these steps:

  • Email us at eservices@ridgedalefcu.org. Please include your name, best phone number to reach you, best time to reach you, and in the subject line put: Account Comprised: Your Last Name
    • NOTE: Do not include any account numbers or your social security number in
      the email.
  • Call us at 973-947-1000 option #1 Monday through Friday between 8:30 a.m. and 5:00 p.m.

We will work with you to take the steps towards account recovery.

HOW YOUR FUNDS ARE INSURED

Your funds are insured with the National Credit Union Administration (NCUA) up to $250,000 per account owner.  There are many ways to be insured for over $250,000.

Click on the image below to access a video with more information on share insurance.

Image of How Your Funds are Insured

 

 

 

IDENTITY THEFT

What should I do if my identity has been stolen or compromised?

It is important to act promptly. File a report with the Federal Trade Commission (FTC) CLICK HERE to access the form, or all the FTC Identity Theft Hotline at 1-877-438-4338 or TTY 1-866-653-4261. CLICK HERE for the steps you will need to take to ensure a full recovery. It is especially important to contact the accounts that were comprised/tampered with directly. If your Ridgedale Federal Credit Union Accounts link to this page have been tampered with, please contact us immediately at eservices@ridgedalefcu.org

For more information & protection, CLICK HERE.

WHY DO YOU NEED MY SOCIAL SECURITY NUMBER?

Your employer and financial institutions will need your SSN for wage and tax reporting purposes. Other businesses may ask you for your SSN to do a credit check if you are applying for a loan, renting an apartment, or signing up for utilities. Sometimes, however, they simply want your SSN for general record keeping. If someone asks for your SSN, ask:

  • Why do you need my SSN?
  • How will my SSN be used?
  • How do you protect my SSN from being stolen?
  • What will happen if I don’t give you my SSN?

If you don’t provide your SSN, some businesses may not provide you with the service or benefit you want. Getting satisfactory answers to these questions will help you decide whether you want to share your SSN with the business. The decision to share is yours.

ATM SAFETY TIPS

  • If you are uncomfortable about the location or surroundings for any reason, leave the ATM
    area immediately. There are many ATM’s in each area. Don’t jeopardize your safety to save a
    few minutes.
  • Memorize your Personal Identification Number (PIN) and keep it to yourself. Don’t keep it
    in your purse or wallet.
  • Keep extra deposit envelopes in your car, so you can fill them out before approaching the
    ATM. Have your paperwork and your Debit card ready when you approach the ATM so you
    won’t have to reach into your purse or your wallet.
  • Stand between the ATM and people waiting in line so no one can see your PIN number on
    your transaction.
  • Take your receipt with you. Put away your cash, ATM card, and receipt before leaving the
    ATM.
  • Report all crimes or suspicious activity to the ATM owner if they are available or to the local
    law enforcement agency immediately.