We’re striving to find ways to strengthen our great relationships with our members, so this seemed like a no-brainer!
Member Referral Program - How Does it Work?
Share the benefits Carolinas Telco FCU has to offer! Refer your co-workers in telecommunications, such as employees of telephone companies, Internet service providers, wireless stores, and even companies that provide support and service. Retirees are eligible, too!
You can also refer your immediate family, such as your spouse, parents, grandparents, siblings, children, grandchildren, and household members, to join our team! Here are some details:
Protection and Security of Your Identity
At Carolinas Telco, we are committed to ensuring that your account information via the Internet and third parties is safe. We do not provide personal information with third parties except as allowed or required by law and as necessary to provide you with services, such as processing check orders, providing member service from our affiliated call center, and offering services to you.
How will Carolinas Telco contact me? Carolinas Telco may contact you by mail, telephone or by e-mail, but we generally won’t ask you for personal information, such as your Member Number, Social Security Number, online banking Login ID, Password, or complete credit or debit card numbers, as we already have access to that information. We may ask you questions to verify your identity, such as full name, street address, date of birth, last four digits of your SSN, amount/date of most recent direct deposit, etc. If you initiate contact with Carolinas Telco by calling us, we may confi rm your identity by asking general questions to verify your full name, address, Member Number, Social Security Number, mother’s maiden name, date of birth, amount/date of your most recent direct deposit, etc. If, for any reason, you suspect that you have been contacted by someone stating they represent Carolinas Telco, but you are unsure if the call is legitimate, hang up. You can then call Carolinas Telco directly, at 1-800-622-5305, to ensure you are contacting your credit union.
Card Fraud Prevention: Visa Check and Visa Credit Cards have fraud-monitoring services that trigger alerts to the credit union if a card is used in a geographic location or a pattern that is inconsistent with its history. You may occasionally receive calls to verify unusual activity. If you do not answer, a brief message may be left. Neither the credit union nor our providers will ask for your card number, expiration date, or CVC (security) code. If you are uncomfortable with the call, hang up and call the 800 number listed on the back of your card. When travelling, contact the credit union at 1-800-622-5305, and we can note your account to allow legitimate transactions. So we can reach you promptly when needed, keep the credit union informed of any address or telephone number changes.
Accounts with Online Banking: Telco NetBranch employs industry leading security features to ensure that all of your transactions are conducted with the highest possible privacy and protection. All data is encrypted using 128-bit encryption, the current industry standard, and transferred via the Secure Sockets Layer (SSL) protocol between you and your Credit Union. NetBranch also offers the option of creating a unique Login ID, so that you can discontinue using your Member Number to login. We recommend periodically assessing your personal online banking risk, such as restricting disclosure of your password to only joint account holders and refraining from writing your login information down in proximity to your computer. If you have a business, be sure you are aware of who has access to your accounts online and take extra due diligence to review account activity.
Mobile Banking Security: Carolinas Telco’s Mobile Web and Apps are secure, using 128-bit encryption that masks your sensitive information. A password is required each time you log on and your NetBranch private “picture and pass phrase” are displayed to protect against “phishing.” You should always maintain security of your phone, including using a Password to access your phone. Be aware of apps that you download and make sure they are apps that you trust. Downloading apps of unknown or suspect origin could compromise your online banking credentials, or any password-protected app or web site you visit. Take caution using your device at all times.
Rights and Responsibilities: The Carolinas Telco FCU Membership Agreement provides certain protections to members, such as limited liability on certain transactions. You can review the current Membership Agreement at www.ctelco.org under Disclosures. Review your statements and/or monitor your account activity regularly through NetBranch or Telco Teller. If your statement or transaction history shows transfers or transactions that you did not make, TELL US AT ONCE at 1-800-622-5305.
What to Do if You Are a Victim of Identity Theft
What should I do if I think I may be a victim of identity theft? Here are tips from Annual Credit Report.
You should place an initial fraud alert on your file as soon as you suspect you might be a victim of identity theft. You can do this online at the three credit reporting companies:
Here are some other steps you can take:
Be Cautious of Scam CallsIf you receive a random phone call, and the caller wants access to your computer, it is a SCAM! Hang up immediately! If someone calls back, ignore the call or block the phone number (if your phone has that capability). We frequently review cases where our members have fallen for this scam, and unfortunately, have lost money. The call goes something like this:
The caller may then actually make a deposit into checking for upwards of $3,000. Then they’ll call the victim back, apologizing that there was some type of error, but that a deposit was made and they need them to send the money back as a money gram, wire, or in the form of a prepaid card. Little does our victim know, they have already debited another account for the amount deposited into checking. In some cases, several fraudulent deposits are made, causing thousands of dollars of losses.
If you have any questions or concern about random calls, hang up and do not disclose any personal or account information. Feel free to reach out to your credit union, too, before reacting.
Sometimes 0% Financing Can Cost You More Than 1.99% APR*!Using Carolinas Telco’s Auto Buying Service, combined with our 60 month loan, can often save you more than 0% financing at the dealer. We’ll estimate you’re paying $20,000 for a new car that has a $2,000 rebate from the manufacturer. You may be presented with choices. You can take 0 percent financing on a three-year loan, typically forfeiting any rebate. Or, you could get 1.99% APR* (our lowest rate available for 60 months) on a five-year loan from Carolinas Telco, plus the $2,000 rebate off the price of the car. See how you can save with your credit union ...
That means you could save $1,075, AND, have a more manageable car payment.
To avoid the dealer even further, you can choose your car with the assistance of Carolinas Telco and our in-house Auto Advisor.
You can contact our Auto Buying Service at 1-800-622-5305, and we’ll be happy to help you. When you decide what car you’re looking for, we pre-approve your loan, then begin searching for the car you’ve picked out. Then we deliver - to your local Carolinas Telco branch! Call us at 1-800-622-5305, visit www.ctelco.org, or stop by your local branch.
How to Apply:
News and Updates
Have You Budgeted for RetirementContent developed by CUNA Brokerage Services, provided by Joe Jaspers, CFP®*
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By accessing this link, you will be leaving the Credit Union’s website and entering an email site hosted by another party.
Although the Credit Union has approved this as a reliable email address, please be advised that you will no longer be subject to, or under the protection of the privacy and security policies of the Credit Union’s website. The other party is solely responsible for the security of its email service. As such the security of any sensitive information transmitted is not guaranteed. We do not recommend sending any sensitive information through this channel.
Please visit our “contact us” webpage for more information on secure methods available for contacting the Credit Union.