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The Column - September 24, 2020CREDIT SENSE Today, the credit union released a new program called Credit Sense. Credit Sense is a comprehensive credit score management program that helps you stay on top of your credit. Credit Sense is built right in to Online and Mobile Banking, so it is easy to access. With Credit Sense, you can get your latest credit score and report, you can gain an understanding of key factors that impact your score, and you can see the most up-to-date offers that could help you save. Credit Sense also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring your score is one of the best ways to keep an eye out for identity theft. To find out more about the new Credit Sense program visit the Credit Sense page. Or click the Credit Sense link in Online or Mobile Banking to get started, today! MEMBER STATEMENTS As more and more member transactions are handled electronically, we find fewer and fewer members check their statements on a regular basis. Especially among our younger members, the act of reconciling is becoming a lost art. They view their balances every day and assume that the balance showing is what is available since they have written no checks and, as a result, there are no items outstanding. Sounds efficient, but it is a great opportunity for fraud. And if you don’t catch the fraudulent item in time, it will be your loss, not ours. Even if you do not reconcile your account every month, at a minimum, check your statement when it arrives. If anything seems out of the ordinary, follow up! If someone has successful access to your account once, you can bet they will be back. WORD OF MOUTH Boulder Dam Credit Union supports hundreds of local charities, athletic events, school programs and other cultural and community projects. We do this because it is the right thing to do. This Credit Union only exists because of the success and vitality of Boulder City, and we owe it to the community to support every attempt to make the community stronger, as much as possible. If you are a participant, parent, event coordinator, teacher, or have other ties to events which we sponsor, we would ask for one thing in return. Talk about us. Share our story with your friends, neighbors, and families that you feel could benefit from a financial institution with the greatest service, and the lowest fees, to be found anywhere in this great country. We are unique. We value tradition. And we care about your trust. It’s a story too good not to share! So please share it and make our bonds even stronger. WORDS OF WISDOM Back in January, as we turned the page to 2020, who could have predicted that one of the most divisive issues to weigh on our country this year would be the wearing of masks. While the vast majority of our members have complied with this mandate, none of us have done so without some inconvenience and aggravation. The wearing of masks is intended to slow the spread of the pandemic and save lives. But if the masks were just a little bit bigger could we solve another current ill of our society? If the masks were large enough to cover our eyes, how would we view each other? Without the ability to see, we would have no preconceived notions of each other without some form of verbal conversation. And from these conversations we would likely find each other much more similar, and equal, than we ever imagined. In reality, we don’t need them larger, and we are anxious to put them behind us. But as we fight to end the pandemic, we need to remember we are all in this together, and all we have is each other. We can achieve miracles by working together and turning a “blind eye” to our differences. - Eric Estes
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