Important Information


Phishing and Identity Theft

Reputable companies and financial institutions, like FLHC, never send e-mails asking for personal and account information. Always be suspicious of requests for information. Never click on a link in an email of this sort even if it looks legitimate. The link will take you right to scammers, not the real company. Be smart, protect your self.


Electronic Transactions

Please call the credit union prior to completing any electronic transactions, ACH direct withdrawals, or ACH direct deposits. It is imperative that the correct numbers are used for these types of transactions. When an incorrect number is used, the transaction will not post automatically to your account. The credit union has to manually search for and post the transaction. A $5 fee will be charged if the correct numbers are not used.


Get a CarFax Report

If you’re thinking about buying a used car, take advantage of getting a CARFAX Vehicle History Report. A CARFAX report can identify important background information and unearth hidden problems in a vehicle’s past that may affect its safety and resale value. Some of the things that may be revealer are: accidental damage, flood damage, odometer rollbacks, junked titles, lemon histories, and lien activity. To order your CARFAX Vehicle History Report, simply click on the link located on the “Links” tab.


VISA Gift Cards

FLHC is now offering VISA Gift Cards. Members can purchase the cards in amounts of $10 - $500. Cards are valid for 5 years and can be replaced if lost or stolen. There is a $3.50 fee per card purchased.


Avoid Unnecessary Fees - Use these Surcharge Free ATMs

To locate surcharge free ATMs in your area, visit our “Links” tab. Type in a Zip Code in the “ATM Locator” field and a new page will open showing all the ATMs in your area that are surcharge free.


Lost / Stolen VISA

If you lose your FLHC Visa Credit Card, please call 800-543-5073 immediately to block the card. If you lost your FLHC Visa Debit Card, please call 888-241-2510 immediately to block the card. Please also call the credit union as soon as possible so that a new card and PIN may be issued.


Change PIN on VISA

To change your PIN on your Visa Debit Card, call 800-503-9249. To change your PIN on your Visa Credit Card, call 866-297-3408. In order to change your PIN you must have the original mailer that your PIN was listed on. Changes to PIN will take effect by the next business day.


Credit Reports

To gain access to your free annual credit report, visit the “Links” and click on the “Annual Credit Report” link. If you are unable to obtain it via the internet, please call 877-322-8228.

If you have a question about your credit report, please call the appropriate agency:

Equifax - www.equifax.com – 1-800-685-1111

Experian - www.experian.com – 1-888-397-3742

Trans Union - www.equifax.com – 1-800-888-4213