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Iowa's Collins Community Credit Union cuts 38 jobs.

Provisions are dropped that would have limited credit card fees for large banks and Navy Federal Credit Union.

The merger is the third for UNCLE Credit Union in the past four years.

The move also fits a national trend of branches growing in the South and West, while shrinking in the North.

Ericka Johnson and others deposit $740,000 in rubber checks and steal more than $430,000 from PenFed members.

SkyPoint Pay adds a security layer using a question only known to the payer and payee.