We offer Deluxe Provent, an integrated suite of identity theft protection services that provides identity theft protection on all fronts, including Prevention, Detection and Restoration.
As a member of our credit union, you and your family have access to professional services and valuable tips to help protect your identity.
We offer two programs that you can choose from for your identity theft security:
Available at no cost for six months for members in the Preferred/Premier Tiers of Relationship Checking.
Available at no cost for members in the Presidential Tier of Relationship Checking.Learn More about Identity Theft Protection
Diligence in your daily activities is your first defense against fraud and identity theft. Implement these tips to help protect your identity.
We utilize several tools designed to protect our members from identity theft. We offer programs like Email Management Services (EMS) and Mastercard® Fraud Detection. We also:
EMS - Email Management Services
This new email alert feature, EMS, is a part of our Online Banking System. Members are able to sign up for email notifications that will allow you to better monitor your accounts. You can set up alerts that will notify you when you have a low balance, an overdrawn account, password changes, and many other account notices. This is a great tool to help you monitor the activity in your Online Banking accounts.
Mastercard® Fraud Detection
Mastercard® operates a sophisticated, multi-level fraud monitoring system to protect cardholders from data compromise and fraud. The system continually monitors accounts for atypical patterns of activity that are consistent with fraud. If fraud or a security compromise is suspected on a Mastercard® card account, Mastercard®works with the card issuing bank to monitor the account closely for unusual activity and notify the cardholder.
Thieves are actively pursuing your personal information by phone and email by posing as a legitimate financial institution, or a corporation like eBay or PayPal. They seek your account numbers, passwords, Social Security numbers, and other confidential information that they can use to access your checking account or credit cards. Email scams like this are known as "phishing". By phone, these scams are known as "vishing".
Be weary of emails asking you to provide (or update) your information, especially when fear tactics are used such as warnings that your account will be locked if you do not provide the requested information. Links in fraudulent emails will take you to websites that look like the imposed vendor, but the web address will not be the vendor's official url. Instead of clicking the link in the email, go to that vendor's site directly and log into your account. If your information truly needs to be updated, you can determine that there.
Vishing scams come in two varieties. The first is conducted solely by phone. You receive a phone call, usually by an automated dialer, and are told that the privacy of your credit card account or some other account has been compromised. You are then told to call a certain number immediately to "verify information” related to her account.
The second type of vishing is just like the first, except you receive an email, not a call. The message is like that of a phishing email, but instead of clicking a link you are asked to make a call.
Either way, when you call the number, an automated system asks for things like your account number, password, birth date, and Social Security number.
Be wary of any unsolicited communication where you are asked to provide information. In addition, be especially skeptical of calls from automated systems or ones where the speaker does not address you by name. If you suspect someone is vishing, hang up immediately. If the caller is a live person, just say you’ll call back later. Then call back at a number you know to be legitimate, such as a number on your statement or the back of your credit card. Never give out personal information by phone unless you initiated the call and are sure you used the right number.
ATM and check cards have become a routine part of life in many households. It’s no wonder, since they provide 24-hour access to your money any time of the day or night. Protecting yourself and your ATM or check card should be a part of your daily routine:
Remembering these tips will make using ATMs safer and less time consuming for you and allow you to fully enjoy this convenient service... compliments of your credit union!
Contact any or all of the three credit bureaus for more information or to dispute an item on your credit reports.
1-800-525-6285 | www.equifax.com
P.O. Box 740241, Atlanta, GA 30374-0241
1-888-EXPERIAN (1-888-397-3742) | www.experian.com
P.O. Box 9532, Allen, TX 75013
1-800-680-7289 | www.transunion.com
Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
The FBI investigates fraud scams and offers more tips to help prevent you from becoming a victim of one of these scams. If you are a victim of one of scams the FBI investigates‚ report your case using the FBI Online Tips Form or by contacting your nearest FBI US office or overseas office.
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