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27 Jun 2017	FRAUD EDUCATION: Card Skimming Card skimming is like identity theft, but for ATM, debit and credit cards. Thieves steal card information using hidden devices to create new cards with your information – giving them access to your hard-earned cash. Skimming is not new, however technology has improved and given the bad guys new high-tech ways of capturing your card information. With card skimming on the rise at ATMs and gas stations, it is good to know the signs of a card skimmer. Below you will see one type of skimming device that is inserted in to the machine to capture card information. If you see fresh or dried glue, a sticky residue or loose card reader do not swipe your card. Call authorities and move to another machine. Should you have any questions or concerns, please reach out to us at any Shell FCU branch or by telephone at 713-844-1100. Protecting your funds is our top priority. Thank you for the opportunity to serve you!
15 Jun 2017	Membership Verification Audit The Supervisory Committee has engaged Warren Averett, Certified Public Accountants, to examine a sampling of member accounts for verification. You may receive a request from Warren Averett, LLC to compare your account balance to the statement balance included in the verification letter. Please verify and report any discrepancies to our external auditors on the letter enclosed. Their address will be provided on the prepaid envelope that will be enclosed. This verification is a routine audit Shell Federal Credit Union performs on an annual basis. If you have any questions, please call us at 713-844-1100.
2 Jun 2017	Shell FCU App & Online Banking Update Shell FCU will be releasing new and improved updates to your Online Banking and Shell FCU App on June 20, 2017. Both platforms will be receiving interface design enhancements which will make them easier to navigate. Please make sure to update your Shell FCU App on June 20^th to experience a new user-friendly banking tool. Click here to view what you can do with your Shell FCU App! The Shell FCU App is available for download in the App Store and Google Play Store. If you are utilizing our free and convenient Online Banking, it is important to note that you may need to revise your pop-up blocker settings to allow statements, mortgage, and credit card pages to appear. It is good habit to always visit our main page to log in to Online Banking. We are always striving to provide you the best service and products to make your financial experience an unforgettable one. If you have any questions or concerns with the App or Online Banking update, please contact us at 713-844-1100. If you are using the Shell FCU App for the first time, you will be required to log in to Online Banking through a PC. Once your log in to Online Banking you will automatically be enrolled to access Mobile Banking via the Shell FCU App.
17 Apr 2017	Scam Alert: Paying IRS With Gift Cards Scammers are impersonating the IRS and convincing individuals to pay IRS debt with gift cards. Government offices WILL NOT require you to pay back taxes with gift cards. Please read this important notice from the Federal Trade Commission regarding this type of scam – https://www.consumer.ftc.gov/blog/scammers-push-people-pay-itunes-gift-cards. If you have any questions or if you are targeted by a scam like this, please report it to the FTC at www.ftc.gov/complaint.
28 Mar 2017	MobiMoney's Delayed Release Shell FCU is excited to provide an extra layer of protection to your Shell FCU Debit Card through the MobiMoney App. Alongside your Shell FCU App, the MobiMoney App will allow you to receive alerts for all debit card activity. In our efforts to perfect the MobiMoney App to your needs, the release of this app has been delayed. We apologize for any inconvenience this may cause. Please check back for MobiMoney's release date on our website and social media pages. Thank you for the opportunity to serve you!
6 Mar 2017	Important Shared Branching Notice We are continuously implementing and improving services to meet the needs of our membership. Over the past several years we have tripled the number of Shell FCU branch locations and ATMs, enhanced the capabilities of our phone system and online banking, and implemented the mobile banking app and mobile wallet technology. These services give you convenient access to your accounts, transactions, deposits, card services, and much more. Your deposits and loan activity fund the products and services offered by your credit union. Each product, service, rate or fee is analyzed to make decisions in the best interest of all our members. In analyzing member activity over the course of a year, only 4% of our 80,000 members use a Credit Union Service Center (also known as Shared Branching) to perform deposit or withdrawal transactions. Effective July 1, 2017, Shell Federal Credit Union will no longer participate in the Shared Branching program. We apologize in advance for any inconvenience this may cause and encourage you to speak with a Shell FCU Representative about the alternative options available to access your funds. Our Shell FCU website is also another amazing resource to browse products, services, events, and important information about your credit union. If you have any questions or concerns, please reach out to us by phone at 713-844-1100 from 7:30AM CST to 7PM CST Monday through Friday and 9AM CST to 12:30PM CST on Saturday, through social media or at any Shell FCU branch. We appreciate your business and appreciate every opportunity to serve you!
12 Jan 2017	Activate Your EMV Chip Credit Card TODAY! Non-EMV chip credit cards will be deactivated on January 17, 2017 To avoid any inconvenience, activate your EMV Chip Card today to begin using it! Please make sure you update any auto-payments and set them up with your new card information. If you have not received your EMV Chip credit card(s) in the mail, please call us at 713-844-1100 or stop by any of our nine convenient locations to receive a new one. We thank you for the opportunity to serve you!
16 Dec 2016	Shell FCU & TurboTax^® This year, file your taxes the smarter way and get your biggest refund – guaranteed. TurboTax guides you every step of the way. Plus, Shell FCU members can save up to $15 on TurboTax federal products. TurboTax translates taxes into simple questions about your life and puts everything in the right forms for you. TurboTax searches over 350 deductions and credits, so you won't miss a thing. TurboTax runs error checks and a final review to help make sure your taxes are done right. Click here to begin your tax refund with TurboTax. © 2016-2017 Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax 2016. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or service marks are the property of their respective owners.
9 Dec 2016	FRAUD ALERT: Counterfeit Cashier’s Checks Shell FCU has recently experienced an influx of counterfeit Shell FCU cashier’s checks being deposited to member’s accounts. The counterfeit items received are part of a work from home scam. Members communicate with a company offering work from home opportunities and then are mailed what appears to be Shell FCU cashier’s checks. The checks include what appears to be an instruction page sent by Shell FCU’s CEO, Jose Rodriguez. The letter creates urgency to deposit the funds via an ATM or the Mobile Banking App. This is the scammer’s way of gaining quick access to the fraudulent funds. These items were not issued by Shell FCU and should not be deposited or cashed. Please continue to stay alert and look for red flags such as: Opportunities that seem too good to be true Incorrect grammar and misspelled words Improper punctuation and capitalization Urgency of action to deposit funds We must continue to work together and stay alert to ensure your financial safety. If you have any questions or concerns please reach out to us at 713-844-1100 or visit any Shell FCU Branch location. Thank you for the opportunity to serve you!
24 Oct 2016	December Skip-A-Pay Is Back! If you currently have a loan with Shell FCU and meet the qualifying criteria, your loan payments will automatically be skipped! If you wish to opt out now or for future Skip-A-Pay programs click here. Complete the Opt Out Form electronically or visit any Shell FCU Branch. Check your MasterCard statement message to see if you qualify to skip your December MasterCard Credit Card payment too! For more information please call 713-844-1100 Shell FCU offers a Skip-A-Pay program during the months of July and December. To qualify, your first payment must be processed prior to the Skip-A-Pay month, you must be in good standing with the credit union and you must be current on any Shell FCU loan(s) in which you are a signer. By participating in the Skip-A-Pay program, you request that your loan payment be deferred. You agree and understand that: the payment deferral will extend the term(s) of the loan(s); 2) interest will continue to accrue on the principal balance at the interest rate provided in the original loan agreement; 3) deferring payment will result in additional interest than if the payment was processed as originally scheduled. If applicable, refer to your GAP (Guaranteed Auto Protection) policy for further restrictions. Shell FCU reserves the right to discontinue this program at any time without notice. Certain loans are ineligible to participate or may require signature to be skipped. Check with a Shell FCU representative to see if your loan qualifies. If you do not wish to have your loan(s) skipped please visit your nearest branch for assistance or visit www.shellfcu.org to complete the Skip-A-Pay Opt Out form located in the Tools & Resources section. Your request to opt out must be received by the last day of the month in which Skip-A-Pay is offered.
24 Oct 2016	EMV Chip Credit Cards Coming November 2016 Beginning in November, Shell FCU will start issuing EMV Chip Credit Cards, also known as the "smart card". Effective January16, 2017, current credit cards (non-EMV Chip Cards) will no longer be active. Your card number will be different than your current card. Please contact any auto-payments and set them up with your new card information. Regular MasterCard Credit Cards will be upgraded to Platinum MasterCard Credit Cards. What are EMV Chip Cards? EMV Chip Cards are easy and convenient to use, but more importantly, will help protect against counterfeit fraud due to lost or stolen cards. EMV Chip Cards are being used globally, resulting in a reduction of card fraud. Federal institutions are implementing EMV Chip Cards because of the improved security offered. How are EMV Chip Cards More Secure? Your EMV Chip Card comes with an encrypted microchip embedded in the card along with a traditional magnetic strip. The microchip provides unique data specific to your card and enhanced layer of security to your transactions when used at chip-enabled ATMs and terminals, so you are better protected from financial criminals. Please call us at 713-844-1100 or visit a Shell FCU branch if you have questions or concerns about EMV Chip Cards.
28 Sep 2016	WARNING: Do Not Share Online Credentials WARNING: Please do not share your online banking credentials with anyone. Your online banking credentials are exclusive to you as the account owner. By sharing this information you expose your credit union accounts to potential fraud. If you have any questions or concerns please contact us at 713-844-1100. Thank you for the opportunity to serve you!
5 Aug 2016	Ways to Make A Shell FCU Payment There are several convenient, timely and economic options to make your Shell FCU loan payment(s). If you are making your payment with funds from your Shell FCU account, we encourage you to use one of the free methods below. Re-occurring Transfer – Speak with a Shell FCU representative in Branch, by phone to set-up a reoccurring transfer. One Time Transfer – Call to speak to a representative, stop by any Branch or utilize phone banking to conduct a one-time transfer. Online Banking or Mobile Banking App – Conduct a one-time or setup a reoccurring transfer to your loan. Night Drop – Place written authorization in the night drop at any Shell FCU Branch to make your loan payment. Mail – Send written authorization to perform a one-time transfer. If you are making your payment with funds from another institution, we encourage you to use one of the free methods below. Night Drop – Place a check with written instructions in the night drop at any Shell FCU Branch to make your loan payment. Mail – Send a check with instructions for your loan payment. This option is available for a nominal fee when making your payment with a card issued by another financial institution. ePayments Portal – The ePayments Portal allows you to securely use your debit or credit card issued by other institution for a fee.
4 Aug 2016	Text Us Your Insurance Verification If you need to send us your insurance verification, it just became easier! Take a picture of your policy and text it to 800-749-5440. Please be sure to include the insurance declarations page. You will receive an auto reply upon receipt. If follow-up is necessary we will contact your insurance agent. Should you have questions on this process please call us at 713-844-1100 for assistance.
22 Jul 2016	EMV Chip Cards Coming August 2016 Beginning in August, Shell FCU will start issuing EMV Chip Cards, also known as the "smart card". Effective September 15, 2016, current debit cards (non-EMV Chip Cards) will no longer be active. Please make sure to destroy your old card by cutting it in half or shredding it. Your card number will be different than your current card. Please contact any auto-payments and set them up with your new card information. What are EMV Chip Cards? EMV Chip Cards are easy and convenient to use, but more importantly will help protect against counterfeit fraud due to lost or stolen cards. EMV Chip Cards are being used globally, resulting in a reduction of card fraud. Federal institutions are implementing EMV Chip Cards because of the improved security offered. How are EMV Chip Cards More Secure? Your EMV Chip Card comes with an encrypted microchip embedded in the card along with a traditional magnetic strip. The microchip provides unique data specific to your card and enhanced layer of security to your transactions when used at chip-enabled ATMs and terminals, so you are better protected from financial criminals. Please call us at 713-844-1100 or visit a Shell FCU branch if you have questions or concerns about EMV Chip Cards.
11 Mar 2016	Browser Vulnerability Security experts have recently discovered a flaw that makes it possible for hackers to decrypt HTTPS-protected traffic between Android and Apple devices and websites. The "FREAK" vulnerability can force your connection to use a weaker version, therefore breaking your secure connection. The vulnerability affects OS X, iOS, Android and Windows devices. The acronym "FREAK" stands for "Factoring attack on RSA-EXPORT Keys." Shell FCU recommends updating your internet browsers on all devices as soon as possible. Please rest assured that Shell FCU does not use any server systems that are vulnerable to this attack. Your security is always our priority and we thank you for entrusting Shell FCU with your business.