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Dolphin Debit Drives Efficiency

  Contact Us   4k Surcharge-Free ATMs for Free   Dolphin Debit Access | 1340 Rayford Rd | Spring, TX 77386 . Joe Woods, CUDE  | SVP, Marketing & Partnerships Dolphin Debit Access, LLC | A Euronet Company 1340 Rayford Park Rd., Spring, TX 77386 (M) 614-378-0367   www.dolphindebit.com ================================================= Remember, you're not alone with  NCOFCU.org Join/Upgrade Check out some of NCOFCU's additional features: First Responder Credit Union Academy Financial Literacy Podcasts YouTube Mini's Blog Job Board
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Sunday Reading - Social Security 101

  Social Studies   Social Security 101 The US Social Security   system is best known for providing income to the nation’s elderly population based on the amount of money they earned during their working years.   The Social Security Act of 1935 established the program  amid the worsening poverty crisis that older Americans faced during the Great Depression. By 1934, more than half of those aged 65 and older lacked sufficient income to cover their basic living expenses.    Today, most US workers are familiar with seeing a percentage of their pretax income deducted from their paychecks and contributed to the nation’s Social Security trust funds. Starting a...
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“The CU Teller of the Future”:

  “The CU Teller of the Future” : Credit union tellers will continue to play an important role, but their work will shift from routine transactions to relationship-driven financial guidance. Technology will handle more basic tasks, freeing tellers to focus on personalized service, financial coaching, and member trust. What Future Tellers Will Focus On The teller of the future will deliver member-centric, personalized experiences by anticipating needs, offering proactive guidance, and explaining financial products in simple, supportive ways. They’ll need to be comfortable working across multiple channels —in person, mobile, chat, and video—while keeping service seamless. A security-first mindset will be essential, including fraud awareness and helping members practice safe digital habits. Tellers will also play a growing role in financial wellness , assisting with budgeting, saving, debt management, and long-term planning. Strong knowledge of compliance and documentation will...
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‘No One Wants a New Car Now.’ WSJ Columnist Offers His Take on Why

NEW YORK–That new car smell isn’t quite the intoxicating perfume it has been for a long time, according to one automotive analyst. Under the headline, “No One Wants a New Car Now. Here’s Why,” the Wall Street Journal’s well-regarded automotive columnist, Dan Neal, observed that “America’s fleet of cars and trucks is also getting long in the tooth.” Neal’s reference was to a study by S&P Global Mobility that found the average age of vehicles in the U.S. is now 12.6 years, up more than 14 months since 2014, with the average age of passenger cars hitting14 years. All-Time High Burden “In the past, the average-age statistic was taken as a sign of transportation’s burden on household budgets,” Neal wrote. “Those burdens remain near all-time hig...
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'Tis the season for fraud! Teller questions if member fraud is suspected.

  When a credit union employee suspects a member may be subject to fraud, they should initiate a careful conversation focusing on the nature of the transaction and external influences. The goal is to help the member identify red flags without the employee asking for sensitive personal information that the credit union should already have on file.  Initial Verification Questions    .pdf Before discussing the specifics of the suspicious activity, the employee should confirm the member's identity in accordance with established internal protocols.  Questions About the Transaction/Activity If the member confirms they are conducting a suspicious transaction (e.g., a large wire transfer or purchase of gift cards ), the employee should ask questions to help the member pause and think critically:  "What is the purpose of this transaction?" "Do you personally know the person or business you are sending money to?" "Have you ever met the...
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Advice On Winning Over Gen Z In ’25

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IRS Issues Ruling on Federal Credit Unions and COVID Credit

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Chairman Hauptman’s Remarks for FLEC Public Meeting (Trump Accounts)

  As Prepared for Delivery on February 6, 2026 Meeting Focus: Implementation and Outreach for Trump Accounts Good morning and thank you to our colleagues at the U.S. Department of the Treasury and members of the Financial Literacy and Education Commission for convening today’s important discussion. I also want to express my appreciation for this body’s leadership in encouraging savings and advancing the broader goal we all share—ensuring that every American has a meaningful opportunity to build financial capability, resilience, and long-term financial security. There’s a lot to like about Trump Accounts, including how easy it is to start the process when filing your taxes. These accounts were clearly designed with behavioral economics in mind. That is to say, things that are easier to do are more likely to get done. Trump accounts also turn all these kids into investors. The more Americans that identify as investors, the better off we are. Investing done by regular people turns Mar...
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Health Coverage Tailored for You! Allstate Health Solutions

Health Coverage Tailored for You!  Allstate Health Solutions At the National Council of Firefighter Credit Unions ( NCOFCU), we can help credit unions and their members find health coverage that supports their lifestyle and budget . Through our partnership with Allstate Health Solutions , you get access to flexible health plan options — including short-term medical, supplemental coverage, dental, and more — designed to fill gaps and bring peace of mind when life shifts or coverage matters most. Why choose Allstate Health Solutions?   https://ncofcu.allstatehealth.com/ Flexible health plan options — Explore short-term medical, supplemental accident, critical illness, and dental coverage that fits your needs and budget. Coverage made simple — Find and compare plans quickly with our easy online experience. Support for transitions — Ideal for periods between job-based coverage, changes in life circumstances, or when you want supplement...
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