Use your ATM and Debit card safely. Here are some tips to help protect yourself and your card:

• Sign your ATM or Debit card upon receipt.

• Never share your Personal Identification Number (PIN) or give it out over the telephone, even if the caller identifies himself or herself as your financial representative, a police officer, or other person of authority.

• Memorize your PIN and do not share the number with anyone. Do not write your PIN on your card or keep it in your wallet.

• Monitor your transactions for unauthorized use. MSGCU Internet Account Access makes it easy to review your transactions online daily.

• Keep an eye on your card until the merchant completes your transaction; and make sure you get your card back.

• Be aware of the expiration date on your debit card. If you do not receive a re-issued card before the expiration date, notify Member Service by calling 586.263.8800, option 6. Once you receive a reissued card, destroy your old card.

• Be aware of your surroundings, as you approach an ATM. If you notice anything out of the ordinary, visit the ATM later or visit another ATM location. If you suspect dangerous or illegal activity, go to a safe place and call the police.

• Protect your privacy and the privacy of others. Be aware of others in line behind you at the ATM. Position yourself in front of the ATM keyboard to prevent anyone from observing your Personal Identification Number (PIN).

• Fill out deposit forms and have your card ready before approaching the ATM. When your transaction is complete, pocket your card and cash immediately. Count it later in the safety of your locked car or home.

• Remember to keep your doors locked, your other car windows closed and your car running when you are at the drive up ATM.

• Save your receipts. Do not leave your receipts at the ATM. Remember to record each transaction and match it to your monthly statement.

If your ATM or Debit card is lost or stolen, please follow these steps:

• When you are reporting either the loss or theft of your MSGCU debit or credit card during normal business hours, please call the MSGCU Main Office at 586.263.8800.

• If it is after hours (including weekends or holidays), reporting the loss or theft of a debit card requires a 2-step process. Please begin by calling 1.800.991.4965 and then 1.866.263.1199 and follow the audio prompts.

• If it is after hours (including weekends) and you are reporting the loss or theft of a credit card (Titanium or Classic), please call 1.800.991.4965.

• Notify all of the participating merchants with whom you have set up automatic bill payments. Once Michigan Schools and Government Credit Union issues you a new card, you will need to reestablish automatic bill payments with your new card information at the participating merchants.