PLEASE BE AWARE: Community Credit Union will NEVER contact you asking for your account number, credit card number, Personal Identification Number (PIN), or online banking user name or password. If someone emails or calls you asking for this information, it is a scam. DO NOT FOLLOW THE INSTRUCTIONS.
Just as you would protect your cash, please take a few steps to protect your cards:
Ensure that we have your current phone numbers on record, including your mobile number. CCU uses intelligent fraud detection systems to alert you regarding possibly fraudulent transactions, but they can only be effective if we can contact you immediately when suspected fraud occurs.
Keep your card in a safe place.
DO NOT write your PIN on anything you carry with you.
Never loan your card to others to use.
Report lost or stolen cards immediately.
Learn how to protect yourself and children onlne at this site from the Federal Trade Commission: OnGuardOnline.gov
Identity theft is a seriouIdentity theft occurs when someone uses your personal information, such as your name, social security number, driver's license, credit card number, or other sensitive and confidential information without your permission to commit fraud or other damaging crimes. Unfortunately, no individual can control whether he/she will become a victim; however, you can minimize your risk by managing your personal information. Click on the image below to view helpful information on avoiding identity theft.
Skimming happens when an illegal copy of a credit, debit or ATM card is made when the original was being used during a normal transaction process. Typical methods of skimming involve use of a modified card reader that reads and stores all the sensitive information that the original card contains, such as Personal Identification Numbers (PIN). This information is then used to make counterfeit cards. When using an ATM, it is important to be suspicious of anything that seems unusual, such as odd-looking equipment, noticeable wires that are suspiciously attached to the machine, or a jammed machine that forces you to use another ATM where the actual skimming device might be attached. In addition, also be sure to check your account statements regularly to make sure there are no unusual or unauthorized transactions that were debited from it.
Card issuers like CCU have practices in place that are intended to protect you from fraud. Some card companies, in an attempt to prevent fraudulent charges on your account, may put a hold on your card for suspicious activity if they are not aware of your travel plans, or they may even place a freeze on a country if it is discovered that fraudulent card perpetrators are known to be working within that country. It is also a good idea to contact each of your card companies before leaving on your trip to notify them that you're traveling internationally and to check their policies. Please take a few minutes to call a Member Service Representative at 321.690.2328 or 1.800.690.2338 with any questions that you may have before you travel so you can avoid an interruption in service.
Phishing, pronounced "fishing," is a high tech scam that uses emails and online messages to deceive unsuspecting consumers into disclosing their credit card numbers, bank account information, social security number, passwords, or other personal and sensitive information on "look alike" websites. Phishing happens when an individual sends an email or pop-up message claiming to be from a business or organization that you may deal with, such as your Internet Service Provider (ISP), financial institution, or government agency, asking you to "update" or "verify" your information on a bogus website.
Like consumers at many financial institutions, Community Credit Union members have been targeted in a 'phishing' scam. A fraudulent email was sent asking members to follow a link and verify their account information.
If you received the fraudulent email, delete it. Please be assured that all of your CCU account information is secure. If you have any further questions or concerns, please contact us by calling 321.690.2328. Click here for more information on Phishing.
In this variation on phishing, identity thieves are sending spam that warns victims that their credit union/bank account or PayPal accounts were supposedly compromised. However, unlike typical phishing emails, there is no website address in these phishing messages. Instead, the victim is urged to call a phone number to verify account details.
The automated voice message says: "Welcome to account verification. Please type your 16-digit card number." The goal is to get the victim to enter their credit card number. In these reported scams, no mention of the credit union, bank or PayPal is made.
Security experts tracking this scam and other instances of "vishing", short for "voice phishing", say the frauds are particularly despicable because they imitate the legitimate ways people interact with financial institutions. In fact, some vishing attacks don't begin with an e-mail. Some come as calls out of the blue, in which the caller already knows the recipient's credit card number. This increases the perception of legitimacy, the caller asks for the valuable three-digit security code on the back of the card.
Vishing appears to be prospering with the help of Voice over Internet Protocol, or VoIP, the technology that enables cheap and anonymous Internet calling, as well as the ease with which caller ID boxes can be tricked into displaying erroneous information.