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The recent data breach announced by Target at its stores in the U.S. between November 27 and December 15 has created a high number of inquiries from Miami Postal Service Credit Union members regarding the security of their credit and debit card accounts.

We want to assure members that your accounts with us are monitored 24/7 by an experienced team of security professionals for any suspicious or potentially fraudulent activity. Miami Postal Service Credit Union employs the most advanced fraud detection and prevention technology to guard members’ credit and debit accounts against unauthorized access and use. Here’s a quick update for your peace of mind:

·         We are aware of the accounts that are known to have been used at Target stores on the dates noted above and we are watching the activity on these accounts closely.

·         Our member service contact centers are experiencing unusually high call volume as a result of this breach and the coverage it has received in the media. Unless you see any suspect transactions on your Miami Postal Service Credit Union credit or debit accounts, there is no need to call.

·         If our security team observes any unusual activity on member accounts, we will contact members immediately to determine whether the transaction activity is legitimate and authorized.

·         It is also a good practice for members to keep a watchful eye on their accounts and transactions and look for any unauthorized activity or purchases.

We will continue to monitor all members’ accounts for suspicious activity. Thank you for being a valued member of Miami Postal Service Credit Union.



Effective September 18, 2009, changes were made to the Automated Clearing House ("ACH") formats for International transactions pursuant to regulatory compliance guidelines established by the Office of Foreign Assets Control ("OFAC") and U.S. Department of Treasury's Financial Crimes Enforcement Network ("FinCen").  Violations of the OFAC regulations and FinCen regulations may result in both criminal and civil penalties which  vary by sanction programs.

MPS Credit Union is not a Gateway Originating financial institution and therefore, does not originate International ACH Transactions ("IAT").  All outbound ACH transactions are limited to domestic transactions, and all incoming IATs are subject to the OFAC regulations.

As a result of the implementation of these regulatory requirements, if you are the recipient of an ACH transaction from outside of the United States the following delays may occur:

  • International ACH transactions may be delayed in accordance with NACHA and OFAC regulations in instances where an IAT originator is a match or possible match on the OFAC lists.
  • Processing, settlement and/or availability of these transactions may be temporarily suspended if enhanced scrutiny or verification is determined necessary.

For additional information, contact a member service representative.