Debit Card Fraud

Debit Card Hotline: 1-800-535-8440
It is important to protect yourself and your credit union from financial loss by being vigilant about keeping your debit card safe and reviewing your account for fraudulent activity. If you cannot find your debit card or believe it has been stolen, please call us immediately at (651) 602-8105. If it is after hours and our office is closed, you can call the debit card hotline at 1-800-535-8440 24 hours a day, 365 days per year.

Cyber thieves are out there and security breaches are increasing. Your credit union is doing everything possible to keep your account safe and to close any cards that become compromised as soon as we are aware of the situation. We have to work together to combat this problem.

Phishing Scams

Phishing Scams
Today it’s easier than ever to impersonate another person or company. If you receive an email, text, or phone call purportedly from us or an affiliate asking you to “verify” your online banking credentials or debit card payment details, it’s a scam.

NEVER release private financial information to a third party immediately, no matter how convincing the pitch. Take note of the message and then use your own records or look on the internet to find a contact phone number or email address for the company. Follow up on the matter using YOUR contact information, not the information that the likely scammer provided. A little research and a healthy dose of suspicion can save you hours of stress and anxiety.

Keep in mind that a good scam feels URGENT. They will either scare you or offer generous rewards, but you have to act immediately. Conversely, legitmate companies try very hard not to frighten clients or appeal to their greed. If a message gets your heart rate going faster, take a deep breath and think carefully before you react. If you are unsure, call us at (651) 602-8105.

password security

Password Security
If you’re a victim of a scam or a company sends you a notice that your information has been stolen, change your passwords.

You can easily store your passwords in a spreadsheet (or use a password manager app) and password protect that single document. Then you simply have to remember that one password, and copy/paste all other passwords as needed. This allows you to use different, complex passwords for all your accounts.

Also use two-factor authentication whenever possible. This requires not only a password, but a code that is then emailed to you, texted to your phone, or generated using an Authenticator app on your mobile device. This additional layer of protection greatly increases your security.

Other resources

Resources

  • Consumer.FTC.gov. The Federal Trade Commission is a great resource to learn about the latest scams out there, and how to protect yourself.
  • IdentityTheft.gov. If you are a victim of identity theft, this website from the Federal Trade Commission should be your first stop.
  • StaySafeOnline.org. This website from the National Cyber Security Alliance offers advice for online security, and how to educate children and seniors on the topic.
  • AnnualCreditReport.com. Federal law gives you the right to get a free copy of your credit report every 12 months from each of the three nationwide credit bureaus. You can request a credit report from individual agencies, or request them collectively from this website.

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