Protect Your Identity

Even though today’s technology speeds up and makes life easier, at the same time there are many dishonest factors to deal with. In the daily news we constantly hear about the latest “SCAM ALERT” scam.


Never respond to any email or phone call that directs you to update your personal information by dialing a telephone number. Only call the customer service number of the credit union. Never give out your address, zip code, phone number, date of birth, social security number, card or account number, card expiration date, and your PIN number (Personal Identification Number). That is your private information.

The scams are so sophisticated that the scam artists may know more information about you than you realize. You could receive a call and they have detailed information regarding your card and request that “One final piece of information”. They can come up with a long drawn out story about a purchase on your card and at the very end they want you to give them the “3” security numbers that verify you have your card. They will thank you for your assistance and after they receive these numbers, they can charge via the internet like wildfire! If this ever happens, call the number on the back of your debit or credit card and report the incident.

In stores and at ATMs, always cover your card and PIN. Watch for cell phone cameras, mirrors or other tools used to view your card, people watching your transactions, cashiers taking your card out of your sight, or any unusual activity at an ATM.

Phishing - Online, you should never respond to unsolicited emails that ask you to verify your card or account number. Websites you may confront look legitimate, but may collect data or put spy ware (software that forwards personal data to fraudsters) on your computer. Do not click on the e-mail link. You could be adding to their identity theft collection. A recent example of fraud is some members were initiated via e-mail from NCUA. NCUA does not ask credit union members for personal information. If you responded to this e-mail, please notify the credit union immediately.

Pharming seeks to obtain your personal information by secretly directing you to a copycat Web site, where your information is stolen, usually by filling out a legitimate form.


The credit union monitors your ATM, VISA Debit Card and VISA Credit Card for fraud activity which may include a sudden change in usual transactions (such as when US-issued card is used unexpectedly overseas or out of your usual usage area, a sudden string of costly purchases, or any pattern associated with new fraud trends around the world. Be sure to confirm that all of your purchases on your monthly statement are valid.

If we suspect fraudulent use, we will call you to validate the legitimacy of your latest transactions. Your participation in responding to the call is critical to prevent the potential risk and avoid restrictions we may place on your card.

Using the credit union’s on-line banking system, Virtual Branch? To enter into the system, Multi-Factor Authentication is a format that the credit union requires. As a result, you might already have begun to experience changes in how you identify yourself and gain access to your credit union Virtual Branch accounts over the internet. It involves one or more basic factors, something the user knows, or something the user has.


The following steps can assist you in protecting your identity:

  • Before submitting any financial information through a website look for the “lock” icon on the browser status bar or look for “https” in the web address. Make sure you are dealing with a legitimate web site.
  • Be careful giving personal data online.
  • Protect your computer by using a password to enter into the computer and install Anti-virus protection software, firewall software, and anti-spy ware program and keep all updated.
  • Report scam attacks to your local federal law enforcement agency. Most law enforcement agencies now have cyber threat units that are well-versed in investigating your claim.