Activating Your New Debit Card

Members are receiving the new debit card design as their current cards expire. We hope you’re enjoying your new
design and can’t wait to see those pinwheels in the wild.

When you activate your new debit card, here are few key reminders:

1. Call From the Number on File
   To confirm your identity, you must call the activation phone number using the phone number on file.
2. Update Digital Wallets and Subscriptions
   Make sure to update your online card information for subscriptions and digital wallets with your new card expiration date.
3. Ask Us If You’re Unsure
   If you can’t recall which phone number you have on file or feel that your phone number needs to be updated, be sure to give us a call so we can help.

Tap and Go, The New Way to Pay

Tap-to-pay is now available for Civic Central Credit Union debit cards. This new way to pay offers big benefits for you!

1. Safer – It protects your card information better, so it’s harder for someone to steal it.
2. Faster – Just tap and go—no waiting or fumbling to swipe the card.
3. More reliable – Swipe strips can wear out, but tapping still works.
4. Cleaner – You don’t have to touch the machine as much.

Remember, you may still need to swipe or insert your chip at older point-of-sale terminals. Look for the tap-to-pay symbol to ensure applicability vendor to vendor.

Remote Check Deposit Reminders

More members are enjoying the conveniences of remote check deposit.

This feature, available in our mobile app, allows you to take a picture of your paper check with your mobile device and submit it for deposit.

To expedite your deposit, here are a few key reminders:

1. Your Signature is Still Needed
   Don’t forget to sign the back of your check.
   “For Mobile Deposit only to CCCU”
2. Clear Picture of Front and Back
   Keep the check in focus and lined up in the viewfinder.
3. Hold Onto Check Until Deposited
   Retain the paper check until the deposit is received and processed.

Fraud Fighting: We Don’t Ask That!

We want to remind our members to be ever vigilant in their efforts to prevent fraud.

As a reminder, Civic Central Credit Union will never ask for your full account number or credit card number over the phone.

If you think someone is trying to access your account, please end the call.

Then contact us at 573-636-5338.

Scammers are getting more creative every day.

Including sending spam messages by text that ask you to secure your Amazon or PayPal accounts.

Never click on a link sent to you in a text message.

If you’re concerned about an account, visit their official website and login with your secure credentials to check for suspicious activity.

We Will Never Ask for Your:

· Passwords of any kind

· One-Time Passcode

· Full Social Security Number

· PIN Number

· Credit Card 3-Digit Security Code

· Credit Card Expiration Date

· Online Banking Secret Word or Password

Taxable Income – An Inflation Response

In case you missed it, inflation has bumped up prices for food, energy, and fuel. For the 2023 Tax Filing Season, the Internal Revenue Service has made some inflation adjustments that can help.

Here’s Some That Will Affect You:

What’s Changed
Federal income tax thresholds have increased by roughly 7% by bracket.

How Does It Affect Me
These increases will allow many to stay in a lower tax bracket.

What’s Changed
Standard deductions have increased across all filing statuses.

How Does It Affect Me
– Single and Married Filing Separately: The standard deduction will increase by $900. ($13,850)
– Married Couples Filing Jointly: The standard deduction will increase by $1,800. ($27,700)
– Head of Household/Ages 65 and Up: The standard deduction will increase by $1,500. ($20,800)

Example

In 2023, a married couple filing jointly could make a maximum of $89,450 to remain in the 12% bracket, compared to $83,550 in tax year 2022.

Bottom-line:

These increases and additional credits will allow taxpayers to reduce their taxable income and keep more income in their pockets.

See all Tax Bracket Adjustments and changes at irs.gov/newsroom