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ZPA Supplementary School book order form—please fill out and submit with payment on or before August 14, 2010. Thank you! |
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We're starting a fundraiser for the victims of Flood 2010 in Poland with a $1,000 donation from our Credit Union. Everyone who wants to join this action can do so through July 31, 2010. Money will be sent to Caritas Polska.
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It is time, once again, to elect those who will represent the best interests of our membership as members of the United Poles FCU Board of Directors. Our annual meeting will be held on Sunday, March 27, 2011. Pursuant to Article V of our Bylaws, we are issuing this call for nominations.
The Board of Directors have the general direction and control of the affairs of the Credit Union. They operate with the best interests of our members and community in mind. You too could play an integral role in shaping the future direction of this progressive, dynamic and caring organization.
Anyone meeting the eligibility requirements (person who is 18 years of age or older and a member of United Poles FCU (before distribution of ballots), unless he or she: 1) is an employee of United Poles FCU; or 2) was convicted of a crime involving dishonesty or breach of trust) may run for a seat on the Board of Directors if properly nominated. In addition to the eligibility requirements the Board of Directors has also established criteria for the Nominating Committee to follow in making its nominations. The Board’s nomination criteria, however, apply only to individuals nominated by the Nominating Committee and cannot be imposed on individuals who meet the eligibility requirements AND are properly nominated by petition (or from the floor in the event there aren’t sufficient nominations made by the Nominating Committee or by petition to provide at least as many nominees as positions to be filled).
“Board of Directors Candidate Profile” form can be obtained at any of our offices. All signed candidate profiles must be received by the Credit Union office no later than August 15, 2010 (mailed or dropped off at one of the Credit Union offices). The mailing address is 412 New Brunswick Avenue, Perth Amboy, NJ 08861, ATTN: Nominations.
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United Poles Federal Credit Union’s Annual Meeting took place at 3:00PM on Sunday, April 25, 2010 at the ZPA, 281 Grace Street, Perth Amboy, NJ. As a part of celebration of our 45th anniversary, a commemorative plaque was dedicated in honor of the founding members and the generations of volunteers that followed who helped our Credit Union to grow to the point we’re at today. The recipients of our 2010/2011 were announced. They are: Beata Matusewicz, Sara Pelka and Piotr Kruszewski—we congratulate them and wish them success in their academic lives.
During the meeting, United Poles FCU Board of Directors election took place. A total of 112 votes were cast. The following persons were elected to the three vacating Board seats: Konrad Kolodziej (77 votes), Voytek Wicinski (69 votes) and Teresa Rybinski (68 votes). The other two candidates- Tadeusz Olsztyn and Waldemar Szuba- received 39 and 33 votes respectively.
New Directors have been elected to 3-year terms. We congratulate them and wish them success in fulfilling their responsibilities for the good of our Credit Union.
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One of our members became disabled in a tragic accident that occurred last summer. United Poles FCU Board has decided to donate $1,000 and is asking all members to help raise funds for a wheelchair and a specially equipped car, which would allow Adam and his family a more “normal” life. No donation is too small and all are most appreciated. For a donation form click here.
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Identity theft occurs when someone steals your personal information and poses as you, running up charges, wiping out your account. It could take months or even years to learn you've been a victim. It can make it difficult to obtain loans, jobs, even affordable insurance rates... and worse, it could take years to clear your record.
Your credit union considers identity theft a serious threat, and continuously monitors its security procedures to protect you and your accounts. But total security is possible only with your help.
Here are steps you can take now to stop thieves from stealing your good name:
- Do not five out personal information, such as account numbers, on the phone or over the internet unless you have initiated the contact. Remember: if someone has a right to this information (such as your credit union), they should already have it... and shouldn't request it over the phone!
- Report lost or stolen checks immediately.
- Destroy unused financial solicitations before discarding them, and tear up other financial documents such as statements or receipts before discarding them.
- Guard your PIN numbers, and treat your ATM receipts with care.
- Make sure your mailbox is secure.
- Contact the major credit reporting companies at least annually to review your file. A copy o your credit report is available for a small fee. The three major credit bureaus are:
- Equifax 1-800-685-1111
- Experian 1-800-397-3742
- TransUnion 1-800-916-8800
If you have been a victim of identity theft or you know someone who has, take these steps immediately:
- Contact United Poles FCU to protect your accounts
- Contact your credit card companies
- Contact the Social Security Fraud Hotline 1-800-269-0271
- Contact the FTC Identity Theft Hotline 1-877-IDTHEFT (438-4338)
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What's good for you is good for your credit union. Because credit unions are not-for-profit financial service cooperatives- owned and controlled by the people who use their services- they work for the benefit of members.
Because you're the force behind our credit union's growth and prosperity, and because credit unions work for members, you and fellow members can expect:
- A financially secure institution complying with the laws and regulations that govern it.
- A solid financial condition; responsible management of members' financial resources.
- Highly principled employees demonstrating integrity, professionalism and ethical behavior.
- Respectful, courteous, timely and unbiased personal service.
- Confidential records and transactions.
- The opportunity for your opinions to be heard and valued.
- An equal vote with other members, regardless of account balance.
- Volunteer credit union board and committee membership opportunities if you qualify and are elected.
- Dividend and loan rates that compete with and, whenever possible, offer advantages over other financial institutions' rates.
- Truthful advertising and disclosure of product and service rates, risks, charges, obligations, terms and conditions.
- Timely notification and correction of credit union errors and inaccuracies.
- Timely response to loan requests, account problems and suggestions.
- Recourse appeal and fair resolution of problems.
- Consumer information to help you make wise credit, savings and purchasing decisions, and to effectively manage your money.
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Starting in October 2004, federal law will recognize a new type of payment document called a "substitute check." The Check Clearing for the 21st Century Act, the law that makes this possible, will permit quicker processing of checks by allowing financial institutions to convert your checks to electronic images for collection purposes. Once the image is transferred, the financial institution may create, from the image of the original check, a "substitute check." The government, media and industry call this new ability Check 21.
While the financial industry is working hard to streamline the process and make use of new electronic technology, members will still be able to use the familiar paper check to make payments because the industry is designing a 21st century system that allows paper to work in the electronic world. Here's what to know about Check 21 and you:
- The "float" will disappear... More rapid processing of checks will mean less float (the time between when a check is written and when it clears). Members will have to make sure that adequate funds are in their account when the checks are written to avoid potential problems.
- Consumer rights are protected... Protections for consumers have been built into the law and the regulations. Losses in check fraud cases are typically borne by the credit union or the merchant that dealt with a fraudster, not the consumer. If you ever feel that there are problems with your account, contact us immediately.
- Check 21 should help combat payments fraud... The faster collection and return of checks facilitated by Check 21 should reduce overall fraud in the check collection system.
What is a substitute check?
To make check processing faster, federal law permits financial institutions to replace original checks with "substitute checks." These checks are similar in size to the original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: " This is a legal copy of your check, You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check.
Some or all of the checks that you receive back from us may be substitute checks.
Sample Substitute Check - - Click Here
What are your rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account. The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal. The amount of the refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.
How to make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.
Your claim must include:
- A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect)
- An estimate of the amount of your loss;
- An explanation of why the substitute check is insufficient to confirm that you suffered a loss, and
- A copy of the substitute check and/or the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, the amount of the check.
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Let’s Help Adam & His Family
