To help prevent and stop fraud, please closely monitor your account. If you see unauthorized activity, promptly call the credit union or the customer service number on the back of your card.
It is possible that fraudsters will attempt to contact you and trick you into disclosing additional information.
Common Scam Practices
Many fraudsters will use phishing, vishing or smishing to trick their victims into providing information. It is important to be aware and suspicious of inbound emails, phone calls and text messages.
- Phishing is the criminal practice of sending emails asking the victim to click on a link within the email and validate private, personal and financial information.
- Vishing is the criminal practice of using social engineering and voice IP telephone services to gain access to private, personal and financial information.
- Smishing is the criminal practice of sending text messages to gain access to private, personal and financial information.
It isn’t always easy to identify an email, phone call or text message as being a scam. It’s important to contact your financial institution immediately if you have any doubts or suspicions at all.
The majority of fraudsters will ask cardholders to validate personal information-information that your financial institution will already have and would never request from you. Please remember that you should never give out the following information when someone emails, calls or texts:
- Account Number
- Social Security Number
- Card Expiration Date
- CVV2/CVC2 – the security code on the back of cards.
If You Have Been Victimized
Call the customer service located on the back of the card to shut the card down immediately. Report the incident to the local police authorities. Your credit union can also report the scam as well.