Identity Theft
NCUA offers extensive information to help consumers identify frauds and scams at its Fraud Prevention Center (new window/tab).
When traveling out of the country, be sure to check your account for suspicious activity. Recently there have been reports of scammers using bluetooth ATM skimming, where the device is installed internally, making it undetectable from the exterior.
ATM Skimming
Criminal Groups are using ATM Skimmers to withdrawal money from member’s accounts. The skimmer allows them to read the debit card and PIN for accounts. These devices snap into place without adhesives or magnets and are of superb quality.
These groups NEVER leave their devices unattended. They arrive on foot and then monitor from nearby vehicles parked in an adjacent parking lot. If a device is discovered do not leave the device or attract attention. Contact law enforcement as discreetly as possible. The suspects will remove the devices as soon as you leave them unattended.
Lost/Stolen Debit Cards 1-800-472-3272 Lost/Stolen Credit Cards 1-800-822-8968
Phishers Use Fake Caller ID Numbers
In a new phishing scam, con artists are using phony caller ID numbers to solicit personal information and money. The “spoofers” are able to convince victims that they’re receiving a call from a bank, credit union or credit card company. The scammers use this technique to acquire sensitive personal and financial information, or even money, from their victims.
Protect yourself by following these steps:
- Do not assume that the information displayed on your phone, regarding who the caller is, is accurate. It can easily be spoofed.
- Never give out personal or financial information over the telephone unless you know EXACTLY whom you’re dealing with.
- If you have doubts about who’s on the phone, call back the number of record at your financial institution or credit card company.
VISHING
Vishing is when a caller uses an automated dialing system. The voice system may use phrases such as, “Please contact us immediately about the closing of your account.” The caller will try to trick you in to calling a toll-free number. But that number belongs to a thief, who will collect the financial information you will be asked to enter on your phone’s keypad, like your 16-digit card number.
Take measures to protect your sensitive information:
- Never give personal or financial account information over the telephone if you did not initiate the contact—even if the caller has some of your personal information. Simply hang up.
- Be suspicious of any e-mail that’s short or harsh in tone or contains grammatical errors. Delete it immediately.
- Be suspicious of any phone or e-mail contact that does not use your first and last name.
- Be cautious when asked to enter information into automated phone prompts.
- Avoid clicking on links from unsolicited e-mails.
- Never dial an unfamiliar return phone number received from an e-mail or phone call regarding any financial matter. Check your financial institution’s phone number listed on your account statement or back of your credit card.
- Report suspected fraudulent calls or e-mails to the Federal Trade Commission at www.consumer.gov/idtheft. Forward phishing e-mails to the Anti-Phishing Working Group at reportphishing@antiphishing.org.
:: Electronic mail is not secure, and confidential or personal information should not be communicated in this manner ::
If you think you’ve been caught in a phishing or vishing scam, contact your financial institution immediately
Credit Score
Credit Review
Learn how to improve your credit score! Set up an appointment with us to learn more about how credit works, credit scores, and the credit bureaus. Find out how your score is calculated and learn tips to help you improve your credit rating. The appointment is free and available to all our members. You can contact us at (301) 306-0610 or information (at) ibew26fcu.com to set up your appointment. Appointments can be done in the office or over the phone.
Check your credit score for free and get monthly updates!
Look for the credit score icon on the right hand side of your online banking account page once you’ve logged in. For instructions on how to access your credit score via your mobile device, please download these instructions: Credit Sense on Mobile Banking.
:: Electronic mail is not secure, and confidential or personal information should not be communicated in this manner ::
Newsletter
Annual Meeting
2021 Annual Meeting of the Membership
Our Annual Meeting will be held on April 27, 2021 at 2:00 p.m. via virtual video conferencing.
Please RSVP by April 21, 2021 if you plan to attend. As a member of IBEW 26 FCU, you own a portion of the Credit Union. Your share savings account qualifies you as a member-owner of the Credit Union and entitles you to vote for the individuals you would like to have represent you on the Board of Directors. This year, the Nominating Committee has submitted the below nominees to fill four vacancies on the Board of Directors. If there are no nominations made by petition, then these nominees will be elected by acclamation and their election will be confirmed at the 2021 Annual Meeting.
Following are the rules for making nominations by petition:
•The individual must be 18 years of age or older.
•The petition must be signed by one percent of the membership with a minimum of 20 signatures and a maximum of 500.
•Each petition must include a statement of qualifications and brief biographical data on the person being nominated.
•The person being nominated must sign an acknowledgement stating that if elected, he/she is willing to serve.
•The petition must be received by the Credit Union at its main office in Lanham, MD no later than close of business Wednesday March 18, 2021.
Board of Directors Nominations
George C. Hogan
George C. Hogan started serving IBEW 26 Federal Credit Union as a second generation volunteer in 1983 and fourth generation IBEW Local 26 electrician. His volunteer services started as a Teller and he was elected to the Board of Directors in 2003. His present position is President on the Board. His father Lawrence C. Hogan served as member of the Credit Committee and Board of Director. George started his career with IBEW Local Union 26 in 1972 as a fourth generation electrician, completed his apprenticeship to become a Journeyman Electrician and has served his local in many ways. He was appointed to the picnic committee, Delegate to Washington Building Trades Council, Delegate to AFL-CIO Central Labor Council, elected to the Examining Board and Executive Board. He has worked as Job Steward, Sub-Foreman, Foreman and Chief Electrician. George currently works for IBEW Local 26 as Business Manager.
Richard J. Warner
Rick Warner started serving IBEW 26 Federal Credit Union as a volunteer in 1969. His volunteer services started as a Teller and was later elected to the Board of Directors. His present position is Secretary on the Board of Directors. Rick started his career with IBEW Local Union 26 in 1965, completed his apprenticeship to become a Journeyman Electrician and served his local in many ways over the last 56 years. He was elected to be his local union’s Treasurer for 9 years, Chairman of the Finance Committee for 25 years, and Chairman of Health & Welfare Relief Fund. Rick was job superintendent at Wolf Trap, Ronald Reagan Building, Freddie Mac, and Patton & Trade Building an eight building complex. He was the recipient of 3 Washington Building Congress Craftsmanship Awards for Wolf Trap, Freddie Mac and the Ronald Reagan Building. Rick retired in September 2004 and continues to volunteer for the Credit Union. Rick also is Vice President and Travel Coordinator for IBEW LU 26 Retired Members club, running one cruise and 6-8 bus trips per year.
Keith A. Sutphin
Keith A. Sutphin started serving IBEW 26 Federal Credit Union as a volunteer in June 1994. His volunteer services started as a Teller, he was appointed Chairman of the Supervisory Committee, and elected to the Board of Directors. His present positions are Supervisory Committee Chairman, and 2nd Vice President on the Board of Directors. Keith holds a Bachelor of Commercial Science Degree in Accounting and also was a controller of a Union Drywall Company for 5 years prior to his career with IBEW Local Union 26. Keith started his career with IBEW Local Union 26 in August 1989, in the Residential Program, then completed the A Apprenticeship Program to become a Journeyman Electrician. He served on the JATC Review Board for 3 years. He went to work with various contractors and was an assistant Project Manager with Fischbach & Moore at the Ronald Reagan Building in charge of billing and purchasing. He returned to Potomac Testing in 1998. At Potomac Testing he performed testing aspects of AT&T’s power systems. He also performed acceptance testing and preventative maintenance testing for various contractors out of his local union. In 2011, he moved to ABM Electrical Power Solutions where he performed various testing of electrical systems. Keith retired from the Union in 2020 and continues to volunteer for the Credit Union.
Doreen Creamer Cleland
Doreen Creamer Cleland started working for IBEW 26 Federal Credit Union part-time in 1970 and went full-time in 1976. Doreen started working evening hours with the volunteers until she became a full-time Teller, later moving to Collections, Loan Officer, Assistant Treasurer and into her current position as CEO. In 2003, her father Harry W. Creamer the Treasurer-Manager passed away, and Doreen was elected to the Board of Directors. Her daughter served an internship in 2004 and continues to work as needed, making four generations involved with IBEW 26 FCU.
News
DUE TO THE INCREASE OF INTERNATIONAL FRAUDULENT ACTIVITY, OUR DEBIT CARDS CAN NO LONGER BE USED INTERNATIONALLY. We Suggest using a credit card when traveling outside of the United States. Our credit card has low interest rates and low international fees. Apply now or call us for more information at 301-306-0610.
Allpoint Network
We want to remind our members that Allpoint Network will be removed from the vast majority of 7-Eleven stores in the United States, effective July 1, 2017. Cardholders will begin to see a surcharge screen on these ATMs as of this date and will be charged a surcharge if you choose to accept the fee.
ATM Service
You can use your debit card at an Accel, Allpoint, or Visa ATM. Allpoint ATMs are readily available all across DC, Maryland, and Virginia.
Visit allpointnetwork.com to find an Allpoint ATM near you.
Visit accelnetwork.com to find an Accel ATM near you.
Visit usa.visa.com to find a VISA ATM near you.
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Need a new PIN number or forget your current one? You can access your PIN 24/7.
More information
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Account Warning
Protecting your account is a top priority for IBEW 26 Federal Credit Union.
We advise members to be diligent and monitor their accounts, as this is the first line of defense in identifying fraud
We advise members to be diligent and monitor their accounts, as this is the first line of defense in identifying fraud.
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If you are out of work and have a loan with the credit union, please contact our office immediately. Contact Denise Dellinger at ddellinger at ibew26fcu.com or 301-306-0610 during office hours (Monday – Friday 8:30am – 4:00pm)
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:: Electronic mail is not secure, and confidential or personal information should not be communicated in this manner ::
IBEW 26 Federal Credit Union does not collect cookies or visitor information.
Fees
IBEW 26 FCU schedule of fees has been updated as of May 2020.
Relationship Pricing- Effective May 1, 2020
Base Building Level
Buildout Level
Full Occupancy Level
| Description | Fee |
|---|---|
| Account Reconciliation | $25.00 per hour |
| Account Research | $25.00 per hour |
| Account Statements | $4.00 per statement (if not registered for e-statements) |
| ACH NSF Fee | $25.00 per item |
| ACH Overdraft Fee | $15.00 per day |
| ACH Stop Payment | $25.00 |
| Audio Response (4 Free/month then charge) | $2.00 per call |
| Bad Address | $10.00 per withdrawl |
| Balance Inquiries at other ATMs | $2.00 Credit Union Fee |
| Bill Pay | $5.00 per month |
| Bill Pay Research Fee | $25.00 each |
| Bill Pay Stop Pay Fee | $25.00 each |
| Blue Pay Fee | $10.00 |
| Check cashing fee for non-members | $5.00 |
| Debit Card Replacement | One FREE every two years, then $15.00 per card |
| Debit PIN Replacement | FREE (1-800-757-9848) |
| Deposited Item Return | $25.00 per item |
| Direct Deposit Correction (after third occurrence) | $25.00 |
| Domestic Wire Transfer (outgoing) | $25.00 per wire |
| Dormant Account | $25.00 per month |
| Escheat Account | $50.00 |
| E-statements | FREE |
| Faxed Photocopy | $5.00 per fax |
| Home and Mobile Banking | FREE |
| IRA Account Opening Fee | $25.00 |
| IRA Withdrawal Fee | Two free per month, then $2.00 per withdrawal after initial two |
| Membership Share | $5.00 par value |
| Money Orders | $3.00 each |
| NSF Fee | $25.00 per item |
| Photocopy | $2.00 per copy |
| Printout on Account Fee | $1.00 per page |
| Share Draft Order | Varies |
| Share Draft Overdraft Fee | $15.00 per day |
| Statement Copy | $5.00 per copy |
| Stop Payment | $25.00 |
| Tax Lien/Garnishment Filing Fee | $75.00 |
| Third Party Credit Union Check | $3.00 |
| Wire Transfer (incoming) | $15.00 |
| Withdrawal Transactions at other ATMs | $1.00 Credit Union Fee (other fees from foreign ATMs may apply) |
Privacy Policy
| FACTS | WHAT DOES IBEW 26 FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? | |
|---|---|---|
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. | |
| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include:
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| How? | All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons IBEW 26 Federal Credit Union chooses to share; and whether you can limit this sharing. | |
| Reasons we can share your personal information | Does IBEW 26 Federal Credit Union share? | Can you limit this sharing? |
| For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus | Yes | No |
| For our marketing purposes – to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes – Information about your transactions and experiences |
No | We don’t share |
| For our affiliates’ everyday business purposes – information about your creditworthiness |
No | We don’t share |
| For our affiliates to market to you | No | We don’t share |
| For nonaffiliates to market to you | No | We don’t share |
| Questions? | Call 301-306-0610 or go to www.ibew26fcu.com | |
| What we do | ||
| How does IBEW 26 Federal Credit Union protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. | |
| How does IBEW 26 Federal Credit Union collect my personal information? | We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates or other companies. |
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| Why can’t I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. |
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| Definitions | ||
| Affiliates | Companies related by common ownership or control. They can be financial and non-financial companies.
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| Non-affiliates | Companies not related by common ownership or control. They can be financial and non-financial companies.
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| Joint marketing | A formal agreement between non-affiliated financial companies that together market financial products or services to you.
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| Other important information | ||
Download our Privacy Policy (PDF-new window/tab)
Accessibility
IBEW 26 FCU is committed to providing a website that is accessible to the possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 301-306-0610 or information@ibew26fcu.com. All products and services available on this website are available at our branch.
