Know the Warning Signs of Fraud

Each year millions of reports about fraud are filed and victims lose billions of dollars because of these crimes. With fraud continuing to become more rampant, it is essential to stay informed and take actions to protect yourself and your family against fraud and scams. Many of these scams have been around for years so let’s point out some common warning signs that you might be dealing with fraud.

1. There is a prize involved.
You get notified that you’ve won a lottery or contest and are told to claim your prize. Oftentimes, you must first pay a fee to claim this prize.

2. You’re confronted with an urgent request.
Scammers often pressure victims into making a quick decision. This is usually because they want you to send cash (or gift cards) before you realize it’s fraud. Take time to do your research. Any reason that a scammer has given you to send money can often be found online due to other victims sharing the same story.

Member Fraud Alert

Please be aware of two fraud schemes that are currently very active with our membership.  We are receiving reports that members are receiving a spoofed number from our Member Services department along with a fraudulent text alert attempting to verify a transaction (that you likely didn’t do) and then asking you to verify a portion of your debit card number. These calls and texts are not from Indiana Members Credit Union.  Please do not provide any account or card information to anyone contacting you.

In addition, scammers continue to target individuals perpetrating the fraud department or even another company.  Shortly after they’ve called you, you receive a text message that says “do not share this code” but you share the code because you trust the person on the other end.  Little do you know, they’ve now gained access to your wallet and begin making purchases. 

If you receive a call like these, please hang up and call your local IMCU branch or member services department immediately at: 317-248-8556 or 800-556-9268.

Click here for a listing of IMCU locations and hours: https://www.imcu.com/connect/locations

Carmel Marathon Ticket Sweepstakes Rules

Official Rules – Indiana Members Credit Union “Carmel Marathon Ticket Sweepstakes” March 7, 2022 – March 10, 2022. 

NO PURCHASE NECESSARY TO ENTER OR WIN. USE OF INDIANA MEMBERS CREDIT UNION PRODUCTS AND SERVICES WILL NOT ENHANCE CHANCES OF WINNING A PRIZE.

1. ELIGIBILITY: The Indiana Members Credit Union “Carmel Marathon Ticket Sweepstakes” is offered and open only to legal residents who reside in Indiana Members Credit Union’s service territory: Bartholomew, Blackford, Boone, Brown, Clark, Clay, Clinton, Decatur, Delaware, Floyd, Fountain, Gibson, Grant, Greene, Hamilton, Hancock, Harrison, Hendricks, Henry, Howard, Huntington, Jackson, Jay, Jefferson, Jennings, Johnson, Lawrence, Madison, Marion, Miami, Monroe, Montgomery, Morgan, Owen, Parke, Posey, Putnam, Randolph (Jackson or Wayne Townships), Ripley, Rush, Scott, Shelby, Tippecanoe, Tipton, Vanderburgh, Vigo, Warrick, and Wayne counties in Indiana, and Henderson County in Kentucky, who are at least 18 (eighteen) years old at the time of entry (“Entrants”).  By entering, you agree to follow these Indiana Members Credit Union “Carmel Marathon Ticket Sweepstakes” official rules (the “Official Rules”).  No fee is required for entry.  VOID WHERE PROHIBITED.  Employees, directors, contractors, vendors, marketing and promotion agencies, family members or individuals living in the same household as employees of Indiana Members Credit Union (“Sponsor”), Carmel Marathon employees and team members, subsidiaries and affiliated entities are not eligible to participate.

2. SWEEPSTAKES PERIOD: The Sweepstakes Period begins on Monday, March 7, 2022, at 7:00 p.m. Eastern Time, and ends on Thursday, March 10, 2022 at 1:00 p.m. Eastern Time (the Sweepstakes Period”).

3. HOW TO ACCESS AND ENTER:  The first day of the Sweepstakes Period, Sponsor will post a “Carmel Marathon Ticket Sweepstakes” question on its IMCU Facebook page. There is one way to enter during the Sweepstakes Period:

VIA FACEBOOK:  To enter via Facebook, visit the IMCU Facebook page and respond with the correct answer to the IMCU post containing “Carmel Marathon Ticket Sweepstakes” question via a comment on the post.   Entrant must have a Facebook account to participate in and enter this Sweepstakes via Facebook.  Entrant must agree to comply with Facebook’s Statement of Rights and Responsibilities (https://www.facebook.com/terms.php) and Facebook’s Community Standards (https://www.facebook.com/communitystandards) in order to create and maintain a Facebook account. 

Limit one entry per person.  Multiple entries per person, including multiple entries by the same Entrant using different e-mail addresses, will invalidate ALL entries submitted by that Entrant for the entire Entry Period.  Entrants must answer the question posted by Sponsor to be eligible to win.  All entries must be received by Sponsor by Thursday, March 10, 2022 at 1:00 p.m. Eastern Time.  Due to the way Facebook operates their services, Sponsor may not receive entries from Facebook users with “protected” updates or profiles.  For Entrants entering on Facebook, Entrants must continue to maintain an active Facebook account through the Sweepstakes Period and for at least thirty (30) days thereafter (for potential notification purposes) to participate in the Sweepstakes and be eligible to win. 

All Facebook posts must NOT, in the sole discretion of Sponsor, (i) contain language that violates or infringes upon another’s rights, including but not limited to privacy, publicity or intellectual property rights (including, without limitation, trademark or copyright infringement); (ii) contain language that is inappropriate, indecent, obscene, profane, hateful, tortious, defamatory, slanderous, controversial or libelous; (iii) contain language that promotes bigotry, racism, hatred or harm against any group or individual or promotes discrimination based on race, gender, religion, nationality, disability, sexual orientation or age; or (iv) contain language that is unlawful, in violation of or contrary to applicable laws or regulations.

4. DRAWING/ODDS: Sponsor will hold a random drawing from the pool of eligible entries. Entrants must answer the question correctly to be eligible to be selected as a winner. The drawings will be held on Thursday, March 10, 2022 at 1:30 p.m. Eastern Time. Odds of winning will depend on the number of eligible entries received. In the event of a dispute as to the identity of a winner, the Sponsor’s decision will be final. Winners will be notified within 24 (twenty-four) hours of winning via the platform on which they submitted their entry (Facebook).  Winners will be required to respond (as directed) within twenty-four (24) hours of an attempted notification prior to being awarded a prize.  Failure to respond to the notification within this timeframe may result in forfeiture of the prize. Sponsor, in its sole discretion, may attempt to contact up to three (3) potential winners of a prize with the above procedure after which the prize in question may go un-awarded if it remains unclaimed.

5. PRIZES: Four (4) prize winners will be selected in a random drawing.  The winners will receive two (2) entries to the Indiana Members Credit Union Carmel Marathon 5K, on Saturday, April 9, 2022, 8:00 a.m. (Prize valued up to $35 per entry, $70 total prize value.).

Sponsor reserves the right to substitute any prize with any alternate prize of equal or greater value at its discretion.  Entries are not redeemable for cash.  Limit one prize per winner throughout the Sweepstakes Period.  Prize winner must agree to comply with all Carmel Marathon venue rules and regulations related to the use of entry (as applicable) and, in accordance therewith, agree not to act in an unsportsmanlike or disruptive manner, or with any intent to annoy, abuse, threaten or harass any other person at such game.  Failure to do so may result in forfeiture of prize or prize element.

Winners must register by 11:59 pm on March 25, 2022, to receive their entry or entry will be forfeited.

Sponsor is not responsible for lost, stolen, damaged, mutilated, returned, “bounced back” emails or misdirected mail, or unsafe arrival of a prize.

If the prize notification is returned as non-deliverable, or if winner is found to be ineligible or not to be in compliance with these Official Rules, winner may be disqualified and an alternate winner will be selected.

The prize winner is solely responsible for all applicable federal, state and local taxes and any expenses associated with the Sweepstakes, unless otherwise indicated. 

6. GENERAL CONDITIONS: By entering in the Sweepstakes, unless you opt out, you authorize Sponsor to use, without further notification to you, review or approval by you, your name if you become a winner, to publicize the Sweepstakes and inform other Entrants of your winning. For example, Sponsor may post on Indiana Members Credit Union’s Facebook wall, or other marketing channels a message such as: “Congratulations to our winners: John Doe, Mary Smith, etc.)!”.  If, in response to a notice of winning, a winner instructs, in writing, Sponsor not to publicize his or her name, Sponsor will honor that instruction. 

Sponsor reserves the right, at its sole discretion, to disqualify any individual it finds, in its sole determination, to be tampering with the entry process or the operation of the Sweepstakes; to be acting in violation of these Official Rules; to be acting in a non-sportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person.

Any use of robotic, automatic, macro, programmed or like entry methods will void all such entries by such methods and persons using any such methods will be disqualified. Each entry submission must be manually key stroked and manually entered by the individual Entrant; automated and/or repetitive electronic submission of entries (including but not limited to entries made using any script, macro, bot or Sweepstakes service) will be disqualified and transmissions from these or related email or IP addresses may be blocked. The accumulation of entries generated through robotic, automatic, macro, or like methods is also strictly prohibited. Sponsor’s determination of whether a user is accumulating entries generated through automated means is in Sponsor’s sole discretion.

Entries that contain offensive, harassing, threatening, abusive language or that violate the intellectual property or other proprietary right of any person are invalid and inadmissible.

CAUTION: ANY ATTEMPT BY A USER OR ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND COSTS (INCLUDING WITHOUT LIMITATION, ATTORNEYS’ FEES) FROM ANY SUCH PERSON TOTHE FULLEST EXTENT PERMITTED BY LAW.

Sponsor assumes no responsibility for any computer, telephone, cable, network, satellite, electronic or Internet hardware or software malfunctions, or unauthorized human intervention, or the incorrect or inaccurate capture of entry or other information, or the failure to capture any such information.

If, for any reason, Sponsor is unable to run this Sweepstakes as planned due to infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes which, in the sole opinion of Sponsor, corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Sweepstakes, Sponsor reserves the right to cancel, terminate, modify or suspend the Sweepstakes. If the Sweepstakes is terminated due to tampering or technical difficulties prior to its expiration date, notice will be posted at Indiana Members Credit Union’s Facebook page.

NOTICE: Facebook is in no way responsible for lost, stolen, misdirected, incomplete, misaddressed or ineligible entries.  Facebook and Twitter are in no way sponsoring, endorsing, administering or associated with this Sweepstakes. 

7. RELEASE OF LIABILITY AND INDEMNIFICATION:          

By entering, each Entrant agrees to follow these Official Rules and forever releases, discharges, and waives any and all claims, liabilities and actions of any kind, howsoever caused or arising and whether by negligence, any intentional act or otherwise, that Entrant may have or that may arise against Facebook, Carmel Marathon and each of their respective parents, subsidiaries, affiliates and related entities, as well as each of the aforementioned parties’ respective directors, officers, owners, shareholders, members, employees, representatives, advertising or promotion agencies, successors, assigns and agents (collectively, the “Released Parties”), with respect to or arising out of either (i) Entrant’s participation; or (ii) the receipt or use of the prizes (including but not limited to the substitution or changing of any prizing) awarded in the Sweepstakes.  By entering, each Entrant further agrees to defend, indemnify and hold harmless the Released Parties and their insurers against any and all damages, costs, judgments, and/or expenses (including but not limited to attorneys’ fees and/or other legal fees) they may incur as a result of claims made against them in connection with either (i) Entrant’s participation; or (ii) the receipt or use of the prizes (including but not limited to the substitution or changing of any prizing) awarded in the Sweepstakes.  This promotion is in no way sponsored, endorsed, or administered by, or associated with Facebook.  You understand that you are providing your information to Sponsor and not to Facebook.

8.  DISPUTES: Except where prohibited, as a condition of participating in this Sweepstakes, you agree that any and all disputes, claims and causes of action arising out of or connected with this  Sweepstakes including the determinations of winners, which cannot be resolved amicably, shall be resolved on an individual basis only, without resort to any form of class action. Either party may bring an individual action in a court of competent jurisdiction located in Marion County, Indiana.  All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of participant(s) and Sponsor in connection with this Sweepstakes, shall be governed by and construed in accordance with, the laws of the State of Indiana, U.S.A., without giving effect to the conflict of laws rules thereof, and all proceedings shall take place exclusively in Marion County, Indiana. Each party to an action pursuant to this Section 8 shall be responsible for that party’s costs of litigation to include but not be limited to attorney fees incurred by that party.

9.  LIST OF WINNERS.  To obtain a list of the names of the winners, mail a request, including a stamped, self-addressed envelope, to Indiana Members Credit Union “Carmel Marathon Ticket Sweepstakes”, Business Development Department, Indiana Members Credit Union, 5103 Madison Avenue, Indianapolis, IN 46227.

Start Your Home Shopping Here

It’s that time of year when many people throughout Indiana are thinking about buying new homes. Whether you’re a first-time buyer or you’re getting ready to switch from your current home to one that better fits your needs, the smart way to start your home-buying journey is to talk with one of Indiana Members Credit Union’s mortgage experts.

Why start your search by talking about a loan? It’s the easiest way to know exactly how much home you can afford. When you ask us for a mortgage pre-approval, we’ll collect and review your financials and let you know how large a mortgage you qualify for, and explain what that means in term of home prices. That way, you’ll know exactly how much home you can afford — and when you’re ready to buy, you know you’ll be able to obtain financing.

Charity Cares Inc.

The mission of Charity Cares Inc. is to grow children in the love of God while building foundational strengths for academic success. Charity, in its most simplistic form, means LOVE. This is the foundation that Charity is built upon and one of the core components of our ministry. Our philosophy is that there is nothing more important than providing the children we serve with the best opportunities for physical, cognitive, social-emotional and spiritual growth. Our Charity team is committed to providing a nurturing environment where children learn, and excel from infancy through adulthood.

We are a 501(c)3 located on Indianapolis’ near west side. Founded in 1996 by Pastor Jeffery Thomas, Sr., our rich history includes providing the Haughville community’s first infant care program, door-to-door transportation services, and a private, Christian elementary school. Today our high quality facility has the capacity to serve over 400 children. Most recently, we have launched the Charity Cares Clothing Closet that provides new or gently loved clothing to children and no cost to their families, the Charity Cares Cook House that provides nutritious meals and snacks in a safe, family style setting and finally, Charity Cares at St Paul. A former church, our St. Paul site is family focused and will provide a safe space for intergenerational care. The space features a community center, elementary school and before/aftercare program, emergency shelter for foster youth, and office space for family strengthening service providers.

At Charity Cares, we take an inquiry based approach to learning. We work to extend classroom experiences by posing questions that require our students to think critically and unconventionally. We take this approach because of its sharp contrast with traditional education. Because many of our students live at or below the poverty level, their lives outside of school and care settings offer little room for them to use their imaginations or experience the world in their own way. Rather than dictate or simply tell students what is, we strive to support them as they work to draw their own conclusions. Our programming features a great deal of small scale investigations and projects that help students with the development of critical thinking and problem-solving skills.

We incorporate a variety of fun, hands-on activities and experiments for our students. Some of the activities within our curriculum include fossil excavation, nature hikes and hands on science experiments. Our goal is to make STEM “cool” and involve the entire family in the educational experience.

Celebrating Black History Month: C & K United Sheet Metal & Mechanical, Inc.

Owned and operated by Maurice & Gail Coates, C & K United Sheet Metal and Mechanical, Inc. was founded in 1997 in Evansville, IN. Their business specializes in the exterior metal wall panel industry. They offer industrial and commercial HVAC, gutters & downspouts, metal siding, metal roofing, metal decking, stainless steel work, metal flashing, kitchen hoods, canopies, metal cabinets, copper work, and special fabrication. They have assisted with many major building projects such as the Ford Center in Evansville and their largest project being at the SOFI Stadium in Los Angeles where this year’s Super Bowl was played. Check out their amazing work! We are grateful that they choose IMCU as their financial institution!

C&K United Sheet Metal & Mechanical, Inc.
P.O. Box 16095
Evansville, IN 47716
812-423-5090

*Pictured left to right: Steve Witting, Senior Commercial Loan Officer, IMCU, Daniel Hunt, CK United Sheet Metal & Mechanical, Gail Coates, CK United Sheet Metal & Mechanical, Maurice Coates, CK United Sheet Metal & Mechanical, and Ashley Johns, Branch Manager, IMCU Eagle Crest Branch.

Celebrating Black History Month: Yaso Jamaican Grill

Jermaine and Ja’Net Dennis, invited all of their family and friends to their home to relax and partake in a feast they prepared that spanned across 3-6ft. tables. Party after party, year after year, they noticed one common issue: there were never any leftovers.  This is when they realized that the food they created would definitely sell, thus the birth of Yaso Jamaican Grill. Yaso’s menu was created by Executive Chef Jermaine Dennis, who was born, raised and trained in the parish of Westmorland, Jamaica.  Jermaine spent his early years cooking in the hotels of the beautiful Island of Jamaica.  He later moved to Indianapolis where he used this knowledge and experience in a local Jamaican restaurant, where he met his wife Ja’Net. Ja’Net, a graduate of Ball State University, has a very diverse, entrepreneurial background.  Over the years, Ja’Net has owned several small businesses, all of which housed their business banking accounts at IMCU.

As personal account holders of IMCU, for Ja’Net and Jermaine Dennis, the choice for their primary business banking account was obvious.  The Dennis’ love the hometown experience of banking with an institution who knows how to meet the specific needs of Indiana residents.  They also greatly appreciate the diversity within the bank and the fact that their needs are understood and their business is always appreciated.  At IMCU, The Dennis’s feel like family and trust that the many banking resources available, are there for both them and their business without limitation.

Make sure to check out their delicious menu. We appreciate their business with IMCU!

www.yasogrill.com
1501 Prospect St.
Indianapolis, IN 46203
317-744-0011

*Pictured left to right: Lela Springfield, Branch Manager, IMCU Downtown Branch, Jermaine Dennis, Owner, Yaso Jamaican Grill, Ja’Net Dennis, Owner, Yaso Jamaican Grill, and Brittany Johnson, Director of Diversity & Recruiting, IMCU.

Celebrating Black History Month: MpoweredtobE

MpoweredtobE was founded in 2019, by owner Ta-Kisha Jones, as an avenue for hope, health, and healing.  These were all things she needed, reclaimed, and couldn’t keep to herself. Today, MpoweredtobE stands to support the holistic well-being of individuals and communities through coaching, creative healing, expressive art, and educational training. 

IMCU remains the choice institution for her business “because of trust, established relationships, convenience, and the flexibility to give back with every purchase that I make with my card. In the startup phase, this is important.  I get to support my community as I establish myself and grow,” states Ta-Kisha.

Let’s get social @mpoweredtobe on all platforms (FB, Pinterest, LinkedIn, Twitter, and website). She is holding space for creative healing in the community on February 26^th with an Intention Setting Party.  They’ll have food, vision boards, and giveaways.  Feel free to support. You can visit Facebook or the website for more details. 

MpoweredtobE:
https://www.mpoweredtobe.com/
317.279.6181
info@mpoweredtobe.com

*Pictured left to right: Misty Faulkner, Branch Manager, IMCU Center Grove Branch, Ta-Kisha Jones, Owner, MpoweredtobE, and Brittany Johnson, Director of Diversity & Recruiting, IMCU.

Celebrating Black History Month: House of Beauty Miss Cutie

Established in February 2018, this black-owned beauty supply store specializes in diverse haircare products and accessories for all. Owners, Robert and Nicole Gates, maintain a 4,000 sq. ft. space located in Washington Square Mall. They offer a variety of products including wig products for cancer and alopecia patients and hypo-allergenic hair extensions. They provide curbside and delivery services, weekly specials, gift cards, and a rewards program. Robert and Nicole have been members since 2004 and chose IMCU for their business banking needs when they opened their business. Their mission is to cater to their customers’ needs when they visit their store. We appreciate the service they provide to the community.

Make sure to check them out for all of your beauty needs! 

House of Beauty Miss Cutie
https://www.houseofbeautymisscutie.com/
(317) 735-1918

*Pictured left to right: Jessica Rehak, Teller Supervisor, IMCU Eastside Branch, Nicole Gates, Owner, House of Beauty Miss Cutie, Robert Gates, Owner, House of Beauty Miss Cutie, and Joe Amick, Branch Manager, IMCU Eastside Branch.

Celebrating Black History Month: Me & My Diddy Lawn Care LLC

Me & My Diddy Lawn Care LLC
Father and son, Herman and Paul Smith, established their family landscaping business in December 2003. Their company specializes in lawn maintenance, landscaping, fertilization, estate care, and snow removal. They work with residential and commercial clientele. They pride themselves in providing excellent service and being able to provide you with all of your landscaping needs. Paul states that they choose IMCU for their financial needs because “IMCU has a local feel and when there’s a problem I can always reach out and receive personal service.”

We are happy to support this black-owned business and encourage you to contact them for any of your lawn care needs!

Me & My Diddy Lawn Care LLC
meandmydiddylawncare@hotmail.com
317-488-7761

*Pictured left to right: Brittany Johnson, Director of Diversity & Recruiting, IMCU, Paul Smith, Owner, Me & My Diddy Lawn Care LLC, Herman Smith, Owner, Me & My Diddy Lawn Care LLC, and George Bible, Branch Manager, IMCU College Park Branch.