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Plastic Payment Card Options

Declined Card Transaction Report Card Lost/Stolen Activate Card Card PIN Selection Travel Notification

During business hours: call the credit union directly at (914) 220-4900

After hours and holidays: call our 24-hour Transaction Assistance Emergency Service at (888) 526-0404 or 206.352.4954 – from outside US

By Phone: 1-800-682-6075


Via SUMA Internet Banking: Click on "Options" Tab, then click on "ATM/Debit/Credit Card" Tab, then check off "Block" and hit "Submit" button and then "Confirm" button

Via Mobile Banking Card Controls menu: tap onto "Card Controls" button in the main menu, tap the card that you want to report as lost/stolen, chose one of the options: "Mark as lost and reorder" or "Mark as lost without reordering" if you don't want a replacement card to be ordered, and hit OK. In case of reorder option, your new card will be delivered to your address via regular mail in 5-10 business days.

By Phone: VISA Card: 1-800-411-6390,
Outside US 1-206-352-3477

ATM Card: only during normal business hours - 914-220-4900


Via SUMA Internet Banking: Click on "Options" Tab, then click on "ATM/Debit/Credit Card" Tab, then check off "Activate" and hit "Submit" button and then "Confirm" button

Via Mobile Banking Card Controls menu: tap onto "Card Controls" button in the main menu, tap the button "Activate Card", type in your card number, and hit "Activate". If the "Activate Card" button is not available, it means your card is already activated.

By Phone: 877-746-6746


Due to the elevated levels of fraud, the card transactions in the following countries are blocked automatically:
South African Republic
Russian Federation
The United Arab Emirates
Saudi Arabia

If you plan to travel to one of these countries and plan to use your card there, notify  SUMA FCU by calling 914-220-4900 and ask for Plastic Cards Department.

For all other countries, you can either notify Plastic Cards Department by phone 914-220-4900 or

Use Mobile Banking Card Controls menu: tap onto "Card Controls" button in the main menu, tap the card that you want to add the travel note to, tap the button "Schedule Travel For This Card", input the dates, destinations, and hit "Save".


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Six Tips to Protect Yourself from Identity Theft when Traveling

  1. Clean out wallet before traveling & keep ID and other documents safe.  Remove extra credit cards, social security card, banking cards and various identification cards that contain personal information. Leave your checkbook at home as well. Limit your credit cards and ID to only what is absolutely necessary for your trip. When you are traveling, and IDs such as your passport and other documents are not in use, keep them safely locked up. Lock your passport and other important documentation and credit cards in your hotel safe when not in use.
  2. Be careful when public WI-FI networks. Most shared internet connections you use when traveling may be public, in hotels, airports and restaurants. If your connection is unsecured, someone may be able to see your information. Avoid using public Wi-Fi networks to access financial accounts and important accounts.
  3. Be aware of ATM skimming & theft at ATMs. ATMs are popping up everywhere for convenience, but some may be targeted more than others by thieves. Avoid ATMs in convenience stores, gas stations or other crowded areas. If using and ATM, try to use a Credit Union or Bank ATM, they tend to be more secure.
  4. Keep your cell phone & other mobile devices secure at all times. Many of us have apps on our mobile devices that take us directly to bank accounts and other accounts. You don’t want your mobile device getting into the wrong hands. Set a password on your phone and tablet, so if stolen, it can’t be used.
  5. When you return from your trip check on bank and credit card activity. These are the first places you will see signs of identity theft. Check again in a few weeks for any out of the ordinary activity.
  6. Due to the elevated levels of fraud, the card transactions in the following countries are blocked automatically:
    South African Republic
    Russian Federation
    The United Arab Emirates
    Saudi Arabia

    If you plan to travel to one of these countries and plan to use your card there, notify  SUMA FCU by calling 914-220-4900 and ask for Plastic Cards Department.

    For all other countries, you can either notify Plastic Cards Department by phone 914-220-4900 or

    Use Mobile Banking Card Controls menu: tap onto "Card Controls" button in the main menu, tap the card that you want to add the travel note to, tap the button "Schedule Travel For This Card", input the dates, destinations, and hit "Save".


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5 Tips for Retirement Saving

1. Develop a retirement budget and start saving now. You are never too young. Develop a savings plan and stick to it. What are your retirement goals? Your expenses now will give you an idea of your retirement needs. Take into consideration other goals, such as travel or a vacation home, when planning. Determine your healthcare options and incorporate that into your budget. Take into consideration how your retirement income will be taxed.

2. Take advantage of workplace retirement plans. Does your employer match a percentage of your contribution? If so, then you should take advantage of that and take part in your work program. You will want to contribute at least enough to receive the full match and more if you can.

3. Open and regularly contribute to an IRA. The professionals at SUMA FCU can answer your questions and help determine the best IRA for your retirement needs.  You may want to explore the options of a Roth IRA. A Roth IRA is especially helpful to those who may be in a higher tax brace when they retire. There is also no required minimum distributions.

4. Don’t dip in to your retirement savings. Many people borrow from their retirement account when they run into a financial jam before retirement. It’s important that you don’t do that. Consider other ways of borrowing funds, such as a loan from your credit union. It’s important that you let your retirement savings grow.

5. Research and understand your Social Security benefits. How much can you expect at what age? When should you begin taking it? How will it affect your taxes. These are all questions that you will need to answer and understand. You may be able to estimate your social security benefit by using the retirement estimator not he Social Security Administration website at

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A staggering 11.1 million Americans are victim to identity fraud in one year alone.* As card use rises, fraudsters are increasingly motivated to find new ways to target real-time, pay-as-you-go transactions.

smsGuardianTM has developed a new text alert solution that directly contacts your cell phone or mobile device based on your card usage. It's protection designed with your safety in mind.

The SUMA FCU smsGuardianTM system can detect potentially fraudulent activity within seconds of a transaction. Our experienced analysts will take action if suspicious activity occurs and smsGuardianTM will immediately block the card, closing the window of opportunity in which subsequent unauthorized transactions could take place. Adding smsGuardianTM to your fraud protection is just one more way to stop ID Thieves in their tracks!*

If you have a SUMA FCU credit, debit or ATM card, you can enroll in our new smsGuardianTM anti-fraud text alert notification service that sends transaction alerts directly to your mobile phone or other SMS-enabled device.

If you receive a text about a transaction that you think is fraudulent, you can reply immediately and your card will be blocked from further criminal activity. This added layer of security enables fraudulent activity to be identified and stopped immediately - significantly reducing the likelihood of subsequent unauthorized transactions.

Here's an example of an alert:

Guardian Alert on card 1234 at XYZ Store for
$500.00. Reply AA1234NO if unauthorized.
Reply STOP to cancel alerts.


If you receive this message and the purchase is legitimate, do nothing. If the purchase is fraud, reply "A1234NO" and your card will be blocked. This service can be cancelled anytime by replying with the message "STOP".*

Enrollment enables the service for one year. Prior to expiration, you will be notified and will be able to text a reply to renew.*

Stay safer and protect yourself from identity fraud today! Register your SUMA FCU Visa card here!

* Changing mobile service providers may require you to re-enroll your mobile device. The cell phone or mobile device must have the ability to send and receive text messages and the use of "short codes" must not be blocked. You are responsible for any text messaging fees from your phone or tablet service carrier. Message and data rates may apply.


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VISA Credit Card Rewards

ScoreCard CashBack® and ScoreMoreTM

It's simple. Earn an annual cash back reward on all qualified* purchases made with your ScoreCard Rewards card. The more you use your card, the greater your reward! You'll be amazed at how quickly your cash adds up! The ScoreCard CashBack program is an automatic feature of your card, so simply choose this card for all purchases and enjoy your reward!

Earn Cash Back When You:

  • Pay bills online
  • Buy groceries
  • Get gas and tune-ups for your car
  • Dine at your favorite restaurant
  • Purchase clothes and home furnishings
  • Remodel your home
  • Donate to your favorite charity
Yearly Purchases* Cash Back
Up to $1,000 0.25%
$1,001 - $2,000 0.50%
$2,001 - $3,000 0.75%
$3,000 & above 1.00%

*Qualified purchases do not include cash advances, balance transfers, convenience checks or returns.

Don't wait any longer to start automatically rewarding yourself!

Click here now to start earning and redeeming your Cash Back.

ScoreMoreTM - Additional Rewards

Click on ScoreMoreTM link within the ScoreCard CashBack Rewards website for shopping at select national, regional and local retailers and get rewarded with additional ScoreCard Cash Back.

What Are the Features of ScoreMoreTM?

ScoreMoreTM is a network of recognized national and regional retailers who offer cardholders added incentives to use credit card by awarding them additional Cash Back for qualifying transactions. Purchases may be made through the following channels:

  • Brick and Mortar In-Store Retailers – National retail establishments are offering Bonus Cash Back when cardholders use credit card for in-store purchases.
  • Online Retail Mall – Hundreds of highly-recognized retailers are providing additional Cash Back available through a Web link to the ScoreMoreTM Mall on the ScoreCard Rewards Website All online purchases made within the ScoreMoreTM Mall qualify for additional Cash Back.
How Does ScoreMoreTM Work?
  • You locate available offers by accessing the ScoreMoreTM Mall via or via Android or iPhone smartphone app "ScoreMore." Some offers need to be activated via website prior to transaction in order to earn cash back.
  • You use your card to make a qualifying purchase at a ScoreMoreTM retailer online or in-store.
  • The transaction posts to your account.
  • Our Loyalty Rewards system receives the transaction for evaluation.
  • You are awarded with additional cash for ScoreMoreTM transactions typically within seven days of transaction posting. Some offers may require additional processing time.
  • You access the website to watch your additional Cash Back balance grow!
How to Redeem Your Cash Back:
  • Real-Time - Call the Credit Union: If you don't want to do it yourself via the Cash Back website, or don't want to wait until $25 is accumulated, or want to redeem a different amount, call SUMA FCU at 914-220-4900 and our Member Service Reps will gladly help you to redeem your cash back reward by depositing it into one of your SUMA FCU accounts or reducing the balance on your VISA Credit Card Loan.
  • In 2-3 days via ACH - Do it yourself: Go to and register your profile. Once in the system, click on "Cash Back" link and follow the onscreen instructions (you would need your routing number and savings or checking account number). Note: you can redeem only if your cashback bonus is at least $25.


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Visa Debit Card Application

ATM Card Application

Visa Credit Classic Card Application

Visa Credit Classic Card Application Secured

Visa Credit Classic Card Limit Change

Visa Credit Business Platinum Card Application

Visa Credit Business Platinum Card Application Secured

Visa Credit Business Platinum Card Limit Change



Brochures & Disclosures

New Membership Agreement & Disclosures

Business Membership & Account Agreement 

Funds Availability Policy Disclosure


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Useful Websites*

Credit Union Services:

FREE/deposit-taking ATMs near you
Get your credit report online
Reorder checks
ScoreCard CashBack Rewards site

Credit Union related sites:

Credit Union National Association
National Credit Union Administration

Youth Organizations:

Ukrainian Youth Association (CYM)
Plast - National Scout Organization of Ukraine

Government sites:

IRS Tax Forms
Savings Bond Information
Consulate General of Ukraine in New York

Vehicle Pricing Links:

Carfax: Used car reports
Kelley Blue Book


*The Credit Union is not responsible for the content of websites other than its own. The websites above are for informational purposes only and should not be considered to be endorsed by the Credit Union.


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Fraud Prevention and Credit Reports

Online Protection

Multi-factor authentication and layered security are helping assure safe internet transactions for credit unions and their members.

Identity Theft: What You Should Know

Identity theft is everywhere today. Whether you're shopping online, reviewing an electronic account statement or sending information through the mail, it's important to know who could potentially view that private content.

How Criminals Get Your Personal Information

Criminals can obtain personal information in a number of ways: stealing wallets, purses, and mail containing account statements, pre-approved credit card offers, new checks, and tax information. Thieves will then complete a "change of address" form to divert your mail to another location.

Other tech-savvy scammers will use a method called "phishing," which involves sending fraudulent e-mails to attempt to scam others into revealing personal financial information. Thieves may also try a tactic called "pharming", which is when a hacker creates a phony but authentic looking replica of a legitimate website.

How Criminals Use Your Stolen Information

Criminals may request additional credit or debit cards in your name. Thieves may also open a new credit card account using your name, date of birth and Social Security number but their mailing addresses to receive the cards. When the thieves don't pay the bills, the delinquent account is reported on your credit report.

Some information, such as whether you own a home, pay real estate taxes, or have ever filed for bankruptcy, is public record. However, you should never reveal your account numbers, passwords, or PINs, Social Security number, mother's maiden name or any other sensitive information about your financial accounts unless you initiate the telephone call.  You should never provide confidential or sensitive information to any e-mail request as financial institutions already have your information on file.

What To Do If You Are a Victim

If you suspect you have been a victim of identity theft, don't panic, but do act quickly. Report any suspicious activity to the police, your credit union, the three credit bureaus (Equifax, Experian and TransUnion), and/or your current credit card issuer.

Equifax - 800-525-6582,
Experian - 800-301-7195,
TransUnion - 800-680-7289,
Social Security Administration Fraud Line - 800-269-0271

You can file a formal complaint with the Internet Fraud Complaint Center (IFCC) regarding suspect e-mail fraud at

For additional info and tips you can visit a website produced by the federal government and the technology industry

Best Practices for Mobile Banking

As the use of mobile devices increases for banking, SUMA (Yonkers) FCU wants our members to know that we take security very seriously.

The widespread use of mobile phones and mobile and text banking means much more convenience for members and better ways to monitor account activity. Unfortunately, it also means there are more opportunities for fraud. SUMA (Yonkers) FCU provides a secure environment for Mobile Banking by keeping our remote banking services up-to-date to protect our members from fraudulent activity. As our member, there are several things that you can do to significantly reduce the risk of fraud and identity theft while using our Mobile Banking services.

Password protect your mobile device, change the password frequently and lock the device when you aren’t using it. Never use passwords that include birthdays, names, pet names, Social Security numbers or that repeat numbers or letters. Do not configure your mobile applications for auto-login capability. Keep your device in a safe location and don’t leave your mobile device unattended in public places. Consider using Pattern, Fingerprint, or other authentication methods offered by your mobile device.

Frequently delete text messages received from us on your mobile device, even though they don’t contain sensitive information. Never disclose personal information about your accounts via a text or Email message. For example: account numbers, passwords or any combination of personal information.

When you log into Mobile Banking, be aware of the people around you. Even if you are speaking on your phone, be careful not to give account numbers or other personal information within earshot of others.

If you change your mobile number or lose your mobile device, immediately log into online banking to change your Sign On information to Online Banking.

Do not modify your device. This could leave it susceptible to infection from a virus. This includes modifying your mobile device to give yourself more control, enable features that void warranties, change the root file systems or allow modifications to install third-party software or hardware components.

Install reputable mobile security software on your device such as an anti-virus, anti-malware, and VPN protection. Consider using tools that allow you to remotely wipe your mobile device if it is lost or stolen.

Only download applications from reputable sites/stores after reviewing feedback from other users and closely review application permission requests. Always start by contacting SUMA (Yonkers) FCU to verify what the apps or Mobile products are called and where to sign up.

Monitor your accounts. Check balances and items that are presented on a regular basis. This will help to spot any suspicious activity.

Set up transaction Email alerts so that you can be notified if your balance drops below a certain level and other transaction information so you will be better aware of your transactions and balances.

Don’t access banking or shopping applications using your private Sign On credentials while connected through public Wi-Fi connections. Ensure your home wireless network is configured to use Wi-Fi Protected Access II (WPA2) Wireless Security Technology. Disable discoverable mode after enabling Bluetooth® devices, if your Smartphone does not automatically default to “off” after adding a device.

Ensure your Sign On and Password are hidden when interacting with SUMA (Yonkers) FCU’s Online Banking and Mobile Banking App.

Delete any confidential information from the device prior to any third-party servicing.

Don’t store financial information in your mobile device.

Keep your mobile device operating system and applications up to date with the latest patches.

Be cautious of opening unsolicited files, text messages, or applications, especially if they are received from unknown sources.

Never respond to a “phishing” text or email that requests your PIN, account number, or any debit or credit card number. Remember that SUMA (Yonkers) FCU will never request your information in this manner.


SUMA (Yonkers) FCU has provided these Best Practices to assist you in protecting your confidential and financial information. Please implement these practices to help reduce your risk. SUMA (Yonkers) FCU is not responsible for losses related to security weaknesses within your personal Online Banking access devices such as your home computer, tablets and mobile devices.

DISCLAIMER: SUMA (Yonkers) FCU does not provide any express or implied warranty, guarantee or promise concerning the content, completeness, accuracy or value of the above information. All persons or entities should confirm the accuracy as it applies to them specifically or their business or system. These “mobile banking best practices” are provided as information only and SUMA (Yonkers) FCU will have no liability to a member or any other person or entity, for any direct, indirect, incidental, special or consequential damages arising out of the information above.


Best Practices For Online Banking Security

User ID and Password Guidelines

  • Create a "strong" password with at least 10 characters that includes a combination of mixed case letters, numbers and special symbols.
  • Change your password frequently.
  • Never share username and password information with third-party providers.
  • Avoid using an automatic login feature that saves usernames and passwords.

General Guidelines

  • Do not use public or other unsecured computers for logging into Online Banking.
  • Check your last login date/time every time you log in.
  • Review account balances and detail transactions regularly (preferably daily) to confirm payment and other transaction data and immediately report any suspicious transactions to your financial institution.
  • View transfer history available through viewing account activity information.
  • Whenever possible, use Bill Pay instead of checks to limit account number dissemination exposure and to obtain better electronic recordkeeping.
  • Take advantage of and regularly view system alerts; examples include:
    • Balance alerts
    • Transfer alerts
    • Password change alerts
    • ACH Alerts
  • Do not use account numbers, your social security number, or other account or personal information when creating account nicknames or other titles.
  • Whenever possible, register your computer to avoid having to re-enter challenge questions and other authentication information with each login.
  • Review historical reporting features of your online banking application on a regular basis to confirm payment and other transaction data.
  • Never leave a computer unattended while using Online Banking.
  • Never conduct banking transactions while multiple browsers are open on your computer.

Tips to Protect Online Payments & Account Data

  • Take advantage of transaction limits.
  • When you have completed a transaction, ensure you log off to close the connection with the financial organization's computer.
  • Use separate accounts for electronic and paper transactions to simplify monitoring and tracking any discrepancies.
  • Reconcile by carefully monitoring account activity and reviewing all transactions on a daily basis.

Account Transfer

  • Use limits provided for monetary transactions.
  • Review historical and audit reports regularly to confirm transaction activity.
  • Utilize available alerts for funds transfer activity.


There has been an increase in thefts from mailboxes in the area recently. Mail thefts have been reported in Yonkers, Bronxville and throughout Westchester. Protect yourself so you don’t fall victim to mailbox theft!

Here are ten tips to avoid having checks and other important mail stolen

  1. Go paperless! Take advantage of SUMA’s Online & Mobile Banking services, and specifically BillPay, NetTeller Alerts and P2P payments. Paying your bills and other items directly from your checking account is safe and easy. When you’re conducting your financial transactions through online banking, you’re far more protected than when you send checks through the mail. NetTeller enables you to set up an alert telling you if there was an invalid logon attempt on your account, when a check clears and more! If you don’t have online and mobile banking, now is the time to set it up.
  2. Refrain from sending checks, gift cards, cash and personal information through the mail. 
  3. If you absolutely need to mail a check, gift card or other important item, do so directly from the post office. But beware; these items may be sitting in someone else’s mailbox when they get delivered.
  4. When writing out checks that need to be mailed, be sure to use ink that cannot be erased, such as a gel pen. 
  5. Avoid using your mailbox flag. A mailbox flag signals that something is inside not only to your postal carrier, but also to a thief. 
  6. Don’t allow your mail to accumulate in your box for too long. This includes incoming and outgoing. If you need to mail out bills, rather than leaving them in your mailbox when you go to work in the morning, drop them at the post office. If you’re going out of town, ask a trusted neighbor to pick up your mail or have the post office hold it.
  7. Have lots of checks coming in or going out? Then consider renting a post office box. It’s the safest way to have your mail delivered. 
  8. Consider a locking mailbox. It’s similar to a normal mailbox, except mail can be put in, but only taken out with the use of a key. If you get lot’s of packages, this may not be the best option for you.
  9. Monitor bank activity and your credit report closely, so you catch any discrepancies quickly. 
  10. Most importantly, if you see something suspicious around any mailbox, report it to the police immediately.

Making these important changes can help you reduce your chance of being a victim of mail theft and also identity theft. Remember, mail theft is a federal offense. If you believe you were the victim of mail theft, it’s important to report it immediately.


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