How We Can Help

Dear Member-Owner,

For over 60 years, Baylor Health Care System Credit Union has been here for you with a single mission:
To empower every member to enhance their financial health through their engagement with the credit union
If you have been financially impacted by the COVID-19 pandemic, WE CAN HELP.  Please email us at assistance@bhcscu.com and let us know how you’ve been impacted (ie. job loss, reduced hours, business temporarily closed).  We will be back in touch as quickly as possible to offer assistance tailored specifically to your need.

Thank you for continuing to trust us with all your financial needs.

Sincerely,

Andy W. Reed, CEO
Baylor Health Care System Credit Union

April 9, 2020

Dear Member-Owner,

The FBI has alerted financial institutions to a rise in fraud schemes related to the Coronavirus (COVID-19) pandemic. Here are some schemes to be aware of:

Emails/Websites/Social Media Sites

  • Email links to websites/social media sites supposedly providing information on the virus
  • Email links to websites/social media sites to calculate or “sign up” to obtain a stimulus check
  • Phishing emails requesting you to verify your personal information to process a stimulus payment
  • Phishing emails soliciting charitable contributions
  • Phishing emails soliciting crowdfunding.  Crowdfunding is the practice of funding a project (like maybe a vaccine or treatment, or sewing masks at home, or building ventilators) by raising small amounts of money from a large number of people, typically via the internet.
  • Phishing emails/website/social media sites soliciting assistance in obtaining airline refunds
  • Phishing emails/websites/social media sites soliciting preventions, vaccines, diagnostic tests, or treatments for COVID-19
  • Phishing emails and/or websites soliciting counterfeit Personal Protective Equipment (PPE) including N95 respiration masks, goggles, full face shields, protective gowns, and gloves
  • Email links to websites to apply for the PPP (Payroll Protection Program) loan/grant
  • Fake emails appearing to be from the Centers for Disease Control and Prevention (CDC)
  • Fake websites setup to falsely portray the appearance of selling products related to the COVID-19 crisis

Tips to Avoid Becoming the Victim of Fraudsters

  • Do not click on links or attachments in emails from people you don’t recognize
  • Do not click on links or attachments without researching them first.  If you hover over the link you can see the URL/website address. If it isn’t recognizable it probably isn’t a legitimate website.
  • Never provide your username, password, date of birth, social security number, account number, or any other personal data in response to an email or a robocall.
  • Verify the web address of legitimate websites and manually type them into your browser.
  • Check for misspellings or wrong domains within a link (for instance, does a domain end in .gov but should end in .com) or is it slightly altered (www.bhccu.com instead of www.bhcscu.com).
  • When making a purchase from an online retailer, check to see if they have any online reviews prior to the COVID-19 pandemic.  Look closely at the review dates and the content of the reviews to determine if they are legitimate.

Obtaining Legitimate Information

  • For accurate and up to date information on COVID-19, visit  the Centers for Disease Control and Prevention website at www.cdc.gov or www.coronavirus.gov.
  • For information on unapproved or counterfeit PPE visit www.cdc.gov/nioshwww.fda.gov, and www.epa.gov.

Report Fraud

  • Report counterfeit products to the Internet Crime Complaint Center at www.ic3.gov and to the National Property Rights Coordination Center at https://iprcenter.gov.
  • If you believe you are the victim of an Internet scam or cybercrime, or if you want to report suspicious activity, please visit the FBI’s Internet Crime Complaint Center at www.ic3.gov.

Baylor Health Care System Credit Union

Remember, the Baylor Health Care System Credit Union will never call you and ask you to disclose personal information such as account numbers, pin numbers, or your social security number. Should you receive such a call, please contact us immediately at our new phone number, 469-676-2200.  You can also still call our old number at 214-820-2342.

Finally, if you have been financially impacted by the COVID-19 Pandemic, we can help! Please call and speak to one of our staff members at your convenience. Thank you for continuing to trust us with all your financial needs.

Sincerely,

Andy W. Reed, CEO

Baylor Health Care System Credit Union

March 19, 2020

Your Credit Union and COVID19 – Preparing for Payday

Dear Member-Owner,

Friday is payday for many of our member-owners! That means the credit union will experience peak transactional activity, just as it does every payday. Unfortunately, our lobby remains closed, but our drive-thru remains open, as we continue to monitor the effects of the COVID-19 virus and focus on ensuring the health and wellbeing of our member-owners and staff. In preparation for what is our busiest day, we have doubled our transactional capacity by adding an additional teller workstation in the drive-thru. This will allow us to have two tellers, each working a single drive-thru lane, to assist you. We hope this will reduce your wait time and have you on your way as quickly as possible.

If you wish to further minimize or avoid wait times, please consider visiting us at off peak hours. Peak hours on Friday tend to be between 7:30am and 9:30am, 11:30am-1:30pm, and 3:30pm-5pm. As a reminder, our drive-thru is open from 7:30am-4:30pm Monday through Thursday, and 7:30am to 5:30pm on Friday.

If you prefer not to visit our drive-thru, at the bottom of this letter I’ve provided a comprehensive list of the service channels available to you using the internet or mobile technology. Also included is instructions on how to set up these services if you desire to start utilizing them at this time. As always, all online and digital banking services are offered at zero cost to our member-owners.

If you have any questions or concerns, please don’t hesitate to call us at 214-820-2342 or email us at tellers@bhcscu.com.

As always, thank you for continuing to trust us with your financial needs.

Sincerely,
Andy W. Reed
President & CEO

Online and Digital Banking Services

  • Magic Teller Online Banking: You can continue to use our Magic Teller 24 hours a day, 7 days a week. If you do not currently have access to Magic Teller, getting setup is easy! Just call one of our tellers at 214-820-2342 for assistance.
  • BaylorCU Mobile App: Our mobile app gives you easy access to your credit union accounts using your mobile device, anytime and anywhere you choose. If you do not currently have the Baylor Health Care System Credit Union mobile app, you can download it on the Google Play or Apple Store by searching for “Baylor Health Care System Credit Union”. Once you’ve downloaded the app you may need an app code to configure the software on your mobile device. The app code is BaylorCU (not case sensitive). If you need assistance with the app, please contact our tellers at 214-820-2342.
  • Mobile Check Capture: Using the Baylor Health Care System Credit Union mobile app, you can deposit your checks from anywhere and there’s no need to visit the branch or drive-thru. Currently, there is a maximum daily aggregate deposit limit of $2,000 and no single item may exceed $1,500. If you believe you will need to deposit checks that exceed these amounts, please contact us by phone to arrange an exception for special handling.
  • ATM: Did you know Baylor Health Care System has over 55,000 surcharge free ATMs? To locate the ATM nearest you, visit our website at www.bhcscu.com, then navigate to the ATM Locations page under the About Us tab. Hint: In the Dallas Fort-Worth area, many Walgreen’s, Kroger, Target, and RaceTrac stores have surcharge free ATMs!
  • Loans: Completing a loan application is easier than it has ever been and doesn’t require a visit to our branch. Just go to our website at www.bhcscu.com, click on Lending, then on Loan Products, and complete your online application. You can even sign your loan documents digitally!
  • New Membership: Does a family member or coworker need banking services fast? New accounts can be opened online easily. Visit our website at www.bhcscu.com and click on the Open Account tab. The process takes less than five minutes.

March 16, 2020

Your Credit Union and COVID19

Dear Member/Owner,

The leadership team at Baylor Health Care System Credit Union continues to monitor news about the global spread of the coronavirus (COVID19). The well-being of our members, employees, and their families remains our top priority and the credit union is taking the following measures to ensure the health and safety of our community:

  • The annual meeting currently scheduled for April 1, 2020 at Baylor University Medical Center, Truett Building, in the Beasley Auditorium has been postponed. A new date has not been determined at this time. We will publish our new annual meeting date on our website and via an email message at a future date.
  • Effective March 17, 2020, our branch lobby will be closed until further notice.
  • Our drive-thru will be open and conducting business as usual. The drive-thru is located at 4005 Crutcher Street, Dallas, TX 75246 and is open Mon-Thurs 7:30am-4:30pm. The drive-thru is also open on Friday from 7:30am-5:30pm.

We sincerely apologize for any inconvenience these changes may cause our members. However, we also want to remind you of the many ways we can continue to serve you while our branch is closed:

  • Magic Teller Online Banking: You can continue to use our Magic Teller 24 hours a day, 7 days a week. If you do not currently have access to Magic Teller, getting setup is easy! Just call one of our tellers at 214-820-2342 for assistance.
  • BaylorCU Mobile App: Our mobile app gives you easy access to your credit union accounts using your mobile device, anytime and anywhere you choose. If you do not currently have the Baylor Health Care System Credit Union mobile app, you can download it on the Google Play or Apple Store by searching for “Baylor Health Care System Credit Union”. Once you’ve downloaded the app you may need an app code to configure the software on your mobile device. The app code is BaylorCU (not case sensitive). If you need assistance with the app, please contact our tellers at 214-820-2342.
  • Mobile Check Capture: Using the Baylor Health Care System Credit Union mobile app, you can deposit your checks from anywhere and there’s no need to visit the branch or drive-thru. Currently, there is a maximum daily aggregate deposit limit of $2,000 and no single item may exceed $1,500. If you believe you will need to deposit checks that exceed these amounts, please contact us by phone to arrange an exception for special handling.
  • ATM: Did you know Baylor Health Care System has over 55,000 surcharge free ATMs? To locate the ATM nearest you, visit our website at www.bhcscu.com, then navigate to the ATM Locations page under the About Us tab. Hint: In the Dallas Fort-Worth area, many Walgreen’s, Kroger, Target, and RaceTrac stores have surcharge free ATMs!
  • Loans: Completing a loan application is easier than it has ever been and doesn’t require a visit to our branch. Just go to our website at www.bhcscu.com, click on Lending, then on Loan Products, and complete your online application. You can even sign your loan documents digitally!
  • New Membership: Does a family member or coworker need banking services fast? New accounts can be opened online easily. Visit our website at www.bhcscu.com and click on the Open Account tab. The process takes less than five minutes.

On behalf of all of us at Baylor Health Care System Credit Union, thank you for continuing to trust us with your financial needs. Please don’t hesitate to reach out if we can assist you in any way.
Sincerely,

Andy W. Reed,
President & CEO