Members have zero liability for debit card transactions that were made fraudulently and without their knowledge. The dispute process allows up to 10 business days for an investigation to be completed before provisional credit is given. Members may be able to get their funds back sooner by contacting the merchant directly.

Yes, excluding debit card fraud. If your online banking has been compromised, your account information was accessible to the fraudster and must be closed to secure your account. If only your debit card was compromised, the checking account can remain open and only the debit card needs to be closed. Unauthorized checks clearing or an unauthorized ACH also means the account is compromised and must be closed.

Contact member service immediately. We will close the checking account suffix and open a new one. The numbers at the bottom of your checks will give anyone access to that account via ACH or with the missing checks. The account is considered compromised and must be closed.

Contact member services immediately. Please try to remember any details about the situation and/or the person or company that contacted you. Be very honest with us regarding what information was given to the scammer so we can make sure we secure your account.

In the event of a mandatory evacuation, we will operate at full capacity at our disaster recovery site. In addition, we've purchased a state of the art natural gas generator that will allow us to run locally once officials allow us to return even if electricity is still out. The natural gas generator is 100 KW and is reliable, durable, safe, efficient, and environmentally friendly. Neches Federal Credit Union will still receive direct deposit/payroll via ACH. Neches FCU will have disaster recovery teams in place in the event that a disaster is declared and we will be able to be reached by dialing toll free at: 1-800-851-5132. The credit union encourages members to plan for a cash flow and to use their Neches FCU Debit Card with Rewards. The debit card will allow members to access cash during any situation. Don't hesitate to contact us for more information about planning for a disaster. In the event of mandatory evacuation:

• After a disaster is declared, our nation wide credit union shared branch network will become available giving members access to their accounts from over 2,500 different credit union locations.
• Members will still be able to access their cash even in the event of an evacuation.
• Our state of the art generator will allow us to operate at full capacity once local officials give us the ok to return.
• All debit and credit cards, online services, share drafts, direct deposits, and ACH transactions will be fully operational.
• You can call us (even in the event of an evacuation) toll free at 1-800-851-5132.
• Please check www.nechesfcu.org on a regular basis as we will be posting updates for our members.