Triangle Credit Union Updates on COVID-19

 
March 17, 2020

May 29, 2020 - City of Nashua's Mask Ordinance

In accordance to the City of Nashua’s mandatory mask ordinance, which is where our headquarters is located, all of TCUs locations have implemented a mandatory mask policy for employees and members, effective immediately.

Members who have scheduled in-person appointments will be required to answer questions related to their health and possible exposure, have their own mask, and provide a valid source of identification prior to entering a branch. Proper identification includes a non-expired, state-issued driver's license, passport, or military ID.

If you have any questions or concerns regarding this update, please reach out to us anytime at (603) 889-2470 or by email at memberservices@trianglecu.org.

Thank you for helping us keep our staff and members protected and healthy. We are all in this together.


May 4, 2020 - Together we will get through this.

Whether good or challenging times, we are committed to serving you. 


April 21, 2020 - New Hampshire Website & Hotline to Prevent Coronavirus Scammers

Regulators at every level continue to remind credit unions about the importance of staying alert to avoid scammers taking advantage of the COVID-19 Pandemic. Many scammers are contacting consumer by telephone claiming to be representatives of the IRS or the Social Security Administration and requesting personal information. Federal agencies will not request personal information over the phone and consumers are advised to hang up or terminate a telephone call immediately upon receipt.

The New Hampshire Department of Justice has created a website with important guidance and helpful information to protect the public. This resource may be of assistance to credit unions to help prevent members avoid falling victim to scams. New Hampshire residents who believe that they may have been the target of a scam, can contact the Consumer Protection Hotline at 1 (888) 468-4454 or email DOJ-CPB@doj.nh.gov.


April 17, 2020 - IRS Website Resources for Economic Impact Payments

Due to the high anticipation of the Economic Impact Payments, the IRS has taken steps to help you receive your money as soon as possible.

Where is my payment?
If you are expecting a payment, but haven’t seen it arrive yet, you can set up direct deposit with the IRS to avoid waiting for a check in the mail. The IRS website provides a Get My Payment application where you can easily check your payment status, confirm your payment type, and provide your banking information to set up your direct deposit. 

What if I didn’t file taxes?
The IRS website also provides an option for individuals who don’t file taxes to check the status of their payments and set up direct deposit. If you have not filed a tax return in 2018 or 2019, check the IRS website to determine if you should use the Non-Filers: Enter Your Payment Info Here application. This form is hosted through Free File Fillable Forms, a certified IRS partner, and is safe and secure for you to provide your personal information. 

To see the full list of resources for the IRS Economic Impact Payment, please visit irs.gov.
 


April 15, 2020 - Take Steps to Increase Your Security

As online services across the globe are experiencing increased attempts at fraudulent activity, it is important to ensure you are protecting your accounts and personal data with improved security.

To protect yourself from malicious activity, we recommend that you ensure your online User IDs and passwords follow these recommendations for complexity:

•    Create complexity by inserting special characters 
Example: I Love My Dog becomes I10ve-myd0g
•    Avoid dictionary words or names 
Malware can easily scan for common dictionary words and names, so avoid using them unembellished
•    Refrain from using Social Security, Date of Birth or Member Numbers 
Using these strings of numbers, even in combination with letters and symbols, can create additional risks
•    Use misspelled words 
Example: BluBerry Pancake$ Witt Mayple Sirup
•    Use acronyms 
Example: writing down that T+C+U is your email password will not tip off a potential hacker, but will help you remember that Tr1angleCred1tUn1on is your password. By rearranging your acronym you can easily create passwords for your other secure logins
•    Do not repeat usernames and passwords 
Example: after setting up T+C+U for your email, you could use T+U+U (Tr1angleUn1onUn1on) for Facebook and U+C+T (Un1onCred1tTr1angle) for online banking.

For additional information and tips to help you improve your online security, please utilize our Blog's Security Archive with a library of articles to assist you.


April 10, 2020 - Fraud Education: How to Spot Stimulus Scammers

Due to the ongoing COVID-19 pandemic, which resulted in the recent federal economic stimulus legislation, fraudsters are using new tactics to gather and steal personal information.

Scammers are using this as an opportunity to reach out to individuals and gather sensitive personal or banking information.

Keep an eye out for suspicious emails, phone calls, texts, or even social media messages asking you for information related to the anticipated federal payments.  

How are fraudsters targeting people?
•    They may call, text, or email claiming to be IRS or government officials and ask you to confirm personal or financial information before you can receive your payment.
•    They may offer you relief money in exchange for a fee or other personal information.
•    They may claim to help get payments faster by offering to set up direct deposit with the IRS on your behalf.
•    They may mail you a bogus check for an odd amount, then ask you to call a number to deposit it.

How can I protect myself?
•    Do not provide any personal or banking information to anyone claiming to be government or IRS officials via email, phone, or social media. The IRS will not call your phone directly or ask you to verify personal information via email or text message.
•    Pay attention to messages that emphasize the terms “stimulus check” or “stimulus payment”. The official term used by the IRS is Economic Impact Payment.
•    Do not allow others to set up a direct deposit with the IRS or deposit Economic Impact Payment checks on your behalf. 

If you have questions or are looking for more information on how scammers may try to target you visit fbi.gov and for more information concerning your economic impact payments visit the irs.gov.
 


April 6, 2020 - Member's May Skip their May & June Credit Card Payment 

Triangle Credit Union has announced that all members who currently hold a Triangle Credit Card or a Triangle Business Credit Card will automatically receive two months of Skip-A-Pay in the months of May and June. The Skip-A-Pay program will start when they receive their May billing statement which should arrive around the last week of April. The statements will display $0.00 due but members who wish to make a payment will continue to have the option to do so. 

To be eligible for Skip-A-Pay, members must be current with their credit cards. Please contact us for more information if you have any questions. Thank you for your patience as we continue to roll out programs to assist our members during these difficult times.
 


April 2, 2020 - Fraud Education: What is Smishing?

SMISHING

/'smiSHING/

The fraudulent practice of sending text messages purporting to be from reputable companies in order to induce individuals to reveal personal information, such as passwords or credit card numbers.

Source www.dictionary.com

How are fraudsters targeting people?

Fraudsters are savvy and deceptive and like to use confusing situations, like the COVID-19 Crisis, to prey on the curiosity of the public and their hunger for information. Often, fraudsters will use Social Engineering to gather information about their prey. Social Engineering can include mining personal details about your life, family members, or other data from social media sites, email or can even go to the extent of building a relationship an unsuspecting online user.
 

How can I protect myself from Smishing?

  • Don't reply to texts from numbers you don't recognize
  • Refrain from clicking on links on your phone or within email from senders you don't recognize, or within messages you weren't expecting
  • Never give out personal information if you didn't initiate the conversation with a reputable source
  • Look up a company or organizations number rather than calling the number left in a voicemail, phone call, text or email.
  • Seek out reputable resources like those from the NH.gov Consumer Education Partnership


When Triangle calls members, representatives may ask questions regarding personal information for identification. If you are uncomfortable answering these questions during an incoming call, we encourage you to hang up and call us to confirm legitimacy. If you believe you have been victimized by a fraud attempt, please contact the Credit Union for next steps by calling our main phone number (603) 889-2470 or by emailing memberservices@trianglecu.org.


March 24, 2020 - Increase in Fraud Attempts: Reminder to Triangle Members to Remain Vigilant

COVID-19 has created an opportunity for scammers who are attempting to exploit the public’s curiosity around the virus, and take advantage of the vulnerability of internet users. We would like to remind Triangle Credit Union members to remain vigilant in ensuring the validity of incoming emails and phone calls, while protecting sensitive information like passwords and credit card information.

Click for helpful tips from the Credit Union National Association (CUNA) 

How are fraudsters targeting people?

Scammers and fraudsters are using multiple tactics to attempt to steal sensitive information. Some of those methods include the following: 

•    Email – Fraudsters will send an email which includes an infected attachment or link to a malicious website that will attempt to steal your credentials. Some of these emails have taken on the look of employers or trusted resources. If you receive an email that you did not request or expect, do not open attachments or click links. If you know the sender, contact them to confirm the email’s legitimacy. If it was not from the sender, delete it.

•    Websites – Spoof websites that look like the CDC, WHO or other verified source will appear through email or social media. Ensure you are visiting the true resource by going directly to the website of the source rather than clicking on a shared link.

•    Interactive Maps – Several fake interactive Coronavirus Tracking Maps have been identified. We recommend only using trusted resources for information on the spread of the virus.

When Triangle calls members, representatives may ask questions regarding personal information for identification. If you are uncomfortable answering these questions during an incoming call, we encourage you to hang up and call us to confirm legitimacy. If you believe you have been victimized by a fraud attempt, please contact the Credit Union for next steps by calling our main phone number (603) 889-2470 or by emailing memberservices@trianglecu.org.

Triangle is here to help.

Triangle Credit Union is open to assist you. As an Essential Business, we will remain available to our members, ensuring your financial needs are covered. Members who need in-person assistance may make an appointment for specific services by calling (603) 889-2470 or by emailing memberservices@trianglecu.org.

For day-to-day transactions, we encourage you to utilize our Drive-Up Locations and robust digital banking services, which include:

•    Drive-Up at our Nashua, Manchester, Amherst and Derry branches 
     (Click to find Drive- Up Locations and Hours)
•    Full-service 24-hour Contact Center at (603) 889-2470
•    Mobile and Online Banking
•    Remote Check Deposit
•    Bill Pay
•    Transfers
•    Person-to-person payments
•    Mobile Wallet for TCU credit and debit cards
•    Triangle’s Audio Response Assistant (TARA telephone banking)
•    ATMs and ITMs

If you have questions or need assistance, please reach out to us anytime at (603) 889-2470 or by email at memberservices@trianglecu.org.


March 23, 2020 - New Hampshire Credit Unions and Banks Unite to Assist Consumers and Their Communities

The Cooperative Credit Union Association (CCUA) and the New Hampshire Bankers Association (NH Bankers) have joined hands in partnership on behalf of their members, customers, and communities. Both trade groups are intent on publicly reinforcing the safety, security, reliability, and availability of financial services throughout the state, given the challenges caused by the Coronavirus pandemic and efforts to “flatten the curve.”

“As we navigate these uncharted times, New Hampshire credit unions are demonstrating the philosophy of ‘people helping people’ every day to assist their members,” said Ronald McLean, CCUA President/CEO. “They stand ready to do what they’ve always done – help consumers, families, businesses, and communities, in time of need, no matter the situation.”

“Banks are working day and night in communities throughout our state to assist businesses and customers during this unique and challenging time, to keep them in their homes and to minimize financial challenges to the extent possible. Please don’t hesitate to reach out to your bank. They are here for you and stand ready to help.” said Kristy Merrill, NH Bankers President.

In announcing their partnership, both McLean and Merrill highlighted several key features about credit unions and banks across the state:

• Our member institutions are well capitalized and financially strong. Your deposits in banks and credit unions are safe and insured up to $250,000 by the National Credit Union Administration (NCUA) or the Federal Deposit Insurance Corporation (FDIC). The safest place for your funds right now is in your credit union or bank.

• Out of an abundance of caution, many banks and credit unions have activated their business continuity plans to mitigate the impact of the pandemic and to keep members, customers and employees safe. Consumers will continue to have access to their accounts, money, and the services they need.

• Many of today’s banking services can be conducted remotely on multiple devices, giving consumers access to their accounts at any time. While some financial institutions are utilizing drive-through services to “flatten the curve” and protect the health of both consumers and employees, staff is still available to serve consumers.

• If you or your business is being severely impacted during this public health crisis, we encourage you to contact your local New Hampshire credit union or bank to help you get them through any financial hardship you may experience. We are committed to working together with you.

• Beware of fraud. Financial scams always increase during uncertain times, especially for our seniors. Your bank or credit union will never ask for your account PIN, password or other personal information in an email. Be careful.

• Government programs and assistance will be increasing in the days ahead. The state has initiated a new Small Business Administration fund for up to $2 million in Disaster Assistance Loans.

• Although it’s easier said than done, we’ve been through difficult times as a nation before and seen them through. While we face today’s unprecedented challenges, rest assured that your local credit union or bank is ready and willing to help.

About the Cooperative Credit Union Association
The Cooperative Credit Union Association is a regional trade organization serving as the voice for 200 credit unions primarily located in the States of Delaware, Massachusetts, New Hampshire, and Rhode Island. CCUA member credit unions hold combined assets in excess of $59 billion and serve a collective membership base of more than 4.5 million consumers. In New Hampshire, there are 14 credit unions who hold combined assets of nearly $9 billion and a collective membership base of more than 700,000 consumers. Annually New Hampshire credit unions provide their members with $100 million in direct financial benefits. To date, New Hampshire credit unions have contributed nearly $3 million to Make-A-Wish New Hampshire. For more information, visit www.ccua.org.

About the New Hampshire Bankers Association
The New Hampshire Bankers Association is a statewide, not-for-profit trade association representing and serving all the banking institutions in the State of New Hampshire. Its mission is to foster a banking environment that strengthens our communities. For further information, please visit www.nhbankers.com or call (603) 224-5373.


March 19, 2020 - Important Information Regarding Branch Operations Amid COVID-19

Triangle Credit Union is prioritizing the safety and health of our members and employees. In practice of extreme caution, effective Friday, March 20, we will transition our branches from lobby service to Drive-Up Lanes and Interactive Teller Machines (ITMs) ONLY. It is the responsibility of us all to work together in exercising social distancing and do our part to help control the spread of COVID-19.

Our DW Hwy and Temple St. Nashua branches do not have a drive-up; however, walk-up ATMs will remain available at these locations.

Click Here for Drive-Up Locations and Service Hours.

What about transactions that require in-person assistance?
We understand that some transactions require person-to-person attention, for which our staff will assist members through appointment-based visits. Appointments can be made by calling our main phone number (603) 889-2470 or by emailing memberservices@trianglecu.org.

What can I use to complete my banking outside of the branch?
For day-to-day transactions, we encourage you to utilize our robust digital banking services, which include:

-    Full-service 24-hour Contact Center at (603) 889-2470
-    Mobile and Online Banking
-    Remote Check Deposit
-    Bill Pay
-    Transfers
-    Person-to-Person payments
-    Mobile Wallet for TCU credit and debit cards
-    Triangle’s Audio Response Assistant (TARA telephone banking)
-    ATMs and ITMs

What will happen to Triangle’s branch staff?
Our Senior Management Team is dedicated to supporting our employees. We are reallocating our staff in anticipation of increased call volumes and to assist other departments that will require additional personnel as we adapt our service to accommodate our members’ needs.

We will continue to monitor and discuss information related to COVID-19 and follow recommendations from government officials, the Centers for Disease Control (CDC), and the World Health Organization (WHO). It is an unpaved path we are navigating and we appreciate the support and kindness our members have provided as we determine the safest route to travel. Triangle is committed to providing our members with the service standard you have come to expect, while keeping you and our employees healthy and safe. Thank you for trusting Triangle Credit Union to serve your financial needs.

If you have any questions or concerns regarding this transition, please reach out to us anytime at (603) 889-2470 or by email at memberservices@trianglecu.org.

A. Scott MacKnight
CEO/ President
Triangle Credit Union


March 13, 2020 - A COVID-19 Update to our Members

Comment March 13, 2020 by A. Scott MacKnight

Triangle Credit Union takes the safety, health and well-being of our members and employees very seriously. As we monitor the circumstances related to COVID-19, we would like to share our proactive measures with you. We have taken the following steps to minimize risk to you and our staff:
•    Senior Management and Disaster Recovery teams are meeting regularly to monitor and discuss preparedness and continuity plans
•    Domestic and international travel policies have been implemented for staff
•    Exploration of work-from-home opportunities for staff is being conducted
•    We are reviewing our financial hardship programs and policies for affected members 
•    All locations and offices have received enhanced cleaning and sanitation services
•    Dispensers containing hand disinfectant wipes for visitor use has been installed at all location entrances
We are prepared to serve our members in-branch and remotely. We encourage members to reduce contact when appropriate by using Triangle Interactive Teller Machines (ITMs), online and mobile banking . Through these services, members can make payments, transfer funds, deposit checks, and find our network of over 13,000 surcharge-free ATMs. We also encourage use of credit or debit cards.

Triangle will continue to follow recommendations provided by the Centers for Disease Control and the World Health Organization. We believe precautionary steps are a shared responsibility and we encourage you to visit these websites for information on ways you can help prevent the spread of illness.
 
Sincerely,
A. Scott MacKnight
CEO/President
Triangle Credit Union
 


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