Protect Yourself From Fraud
Do you need to report your Visa Credit Card lost or stolen?
Do you need to report your Debit Card lost or stolen?
Due to an increase in fraudulent transactions originating outside of the United States, the Credit Union has taken steps to ensure that your card information is safe.
As of May 3, 2016, we have placed a block on all debit card transactions originating from outside the United States.
If you are going to be traveling outside of the United States, please contact the credit union at 217-351-3100 so that we can take measures to allow your debit card to work.
If you have any questions regarding these measures, please don’t hesitate to call. We thank you for your patience in this matter.
As a consumer it is important that you:
- Review and monitor your Credit Card account at www.ezcardinfo.com.
- Review and monitor your Draft Account (checking) through our Virtual Branch at the On Line Account Access Tab.
- Report any unauthorized activity as soon as possible.
- Contact the card issuer if you have any questions or concerns about your account. For your CCSECU Credit and Debit cards, you can call the credit union during business hours at 217-351-3100. For after-hours support, contact 1-800-322-8472 for Credit Cards and 1-800-523-4175 for Debit Cards.
The Credit Union has received notice of reports of ATM fraud. The fraud has taken place at terminals within the Chicago-land area as well as Ohio, New York, and Maryland. Other locations may have been targeted and not reported as of this date.
It is believed that skimmers have been placed on convenience store ATMs where you are making legitimate withdrawals. The card and PIN are being skimmed and counterfeit cards are being created and used at other ATM machines.
Best Practices for Cardholders:
The typical ATM skimmer is a device smaller than a deck of cards
that fits over the existing card reader. Most of the time, the attackers will also place a hidden camera
somewhere in the vicinity with a view of the number pad in order to record personal identification numbers. The camera may be in the card reader, mounted at the top of the ATM, or even just to the side inside a plastic case holding brochures. Some criminals may install a fake PIN pad over the actual keyboard to capture the PIN directly, bypassing the need for a camera.
Do you know what "Smishing" is?
- Check for Tampering
When you approach an ATM, check for some obvious signs of tampering at the top of the ATM and near the speakers, the side of the screen, the card reader itself, and the keyboard. If something looks different, such as a different color or material, graphics that aren't aligned correctly, or anything else that doesn't look right, don't use that ATM.
- Wiggle Everything
Even if you can't see any visual differences, push and pull at everything.
- Protect the PIN
Even if you don't notice a skimmer and swipe your card, covering your hand when you enter your PIN can block a camera that may have been installed. If the keyboard doesn't feel right—too thick, perhaps—then there may be a PIN-snatching overlay, so don't use it.
Criminals frequently install skimmers on ATMs that aren't located in overly busy locations since they don't want to be observed installing malicious hardware or collecting the harvested data. Stop and consider the safety of the ATM before you use it.
The chances of getting hit by a skimmer are higher on the weekend than during the week since it's harder for you to report the suspicious ATMs. Criminals typically install skimmers on Saturdays or Sundays and then remove them before opening on Monday.
Scammers are finding new ways to get your personal information and now they are invading our cell phones. They send text messages making false claims to obtain personal information. The most common "Smishing" scam so far is a text message claiming your bank account is frozen and they give you a toll-free number to call to clear things up.
What you should do if you get one of these messages:
NCUA Reports Fraud Email Phishing Activity:
- Do not reply to the message. It could be a test to see of your number is active, which could result in more unwanted messages.
- Notify the Credit Union immediately.
- Notify the cell provider and have them place a block on the number the text message came from.
NCUA Advises Vigilance: Beware of fraudulent emails claiming to be from NCUA offering payment for taking a survey. The National Credit Union Administration (NCUA) is reporting these emails are originating from recently simulated NCUA email boxes. The fraudulent emails solicit credit union member participation in an Online Survey or Member Survey, and promise compensation of $40 as an inducement to respond to the email. The emails are fraudulent, and may be an attempt to obtain confidential member information. NCUA does not solicit such information from credit union members. This is a phishing activity with no NCUA complicity or approval. If you have received these emails, please do not respond. If you have any questions or concerns, please email NCUA at firstname.lastname@example.org
Text Messages are being sent that request a return call to avoid deactivation of your VISA card. Champaign County Schools Employees' Credit Union will never ask for this information by phone, email, or text. PLEASE DO NOT GIVE OUT YOUR CARD OR PERSONAL INFORMATION! If you feel your card has been compromised, for VISA Credit Cards please call 800-322-8472. For VISA Debit Cards, please call 800-523-4175. Please call us at 217-351-3100 if you receive one of these text messages.
Here are some Do's and Don'ts for ATM Usage
DO: Keep your PIN number a secret.
Always choose a well-lit location.
Always look for a location that is in view of everyone.
Park your car as close as possible to a location and lock your car.
If you are a female, it is a good idea to take an individual with you that you trust. Stand directly in front and close to the machine as possible. (This helps to obstruct the view of others.) Leave immediately and quickly.
Do notify your financial institution the moment you have lost your ATM card or forgotten (lost) your PIN number.
If you are making a deposit at an ATM, follow the same procedures. Do keep your money secure until the deposit is made.
Do not write your PIN number on your card. If you can't remember it, put it in a disguise so that you can get to it.
Don't get out of your car or approach an ATM until you have viewed the entire area for safety.
Don't use an ATM that is not well-lit.
Do not approach an ATM if someone is in their car or ahead of you. Wait until they have departed.
Don't park your vehicle where you can be blocked in by another vehicle.
Don't withdraw more than you need.
Don't stand at the ATM and count your money. Take your money and receipt together, secure it quickly, and leave.
Don't forget your receipt. Don't leave it in the machine.
Don't tell people that you are going to go and use an ATM unless you know the people are trustworthy. You can count your money in your locked vehicle if you desire.
Do not let anyone else use your card or PIN number.
If you don't need your card, leave it at home secured someplace. Do not even give them to FBI agents or police. If they ask for it, refuse and ask to see their identification.
ATM machines get used a lot by both honest and dishonest people. Some criminals like to use the advantage of an ATM because they are less secure. Senior citizens and females often fall victim to criminals at ATM machines. It provides criminals with an opportunity for fraud and theft. If you would ever be robbed at ATM, observe the criminal very closely for identification. Look for moles, birthmarks, hair color, glasses, watch types, shoes worn, and anything that would help identify the attacker. Most criminals just want your money because they are in a hurry to get away. It is advised to comply with them if your life is in danger. Money can be replaced and insured; an individual's life cannot. ATMs are there for the consumer to use 24 hours a day, 7 days a week; however, one still must take precautions when accessing ATMs.
Here are some other helpful tips on how to prevent fraud
Step 1: Ensure that the checks you use have security features designed to prevent fraud. Look on the back of one of your personal checks to find a list of security features and contact your financial institution to see if checks with additional features are available.
Step 2: Keep your checkbook in a safe place at all times. If you receive cashed or canceled checks back from your bank, make sure you keep them locked up in a safe place, not just sitting around your home where someone could find them.
Step 3: Do not put more personal information on your checks than necessary. Under no circumstances should your credit card number or Social Security number appear anywhere on your checks. In fact, it's even a good idea not to include your telephone number as part of your personal information.
Step 4: Do not make your checks payable to cash, and do not sign a check until you're in the bank and ready to cash it. If your checks are payable to cash and are stolen, anyone who gets his hands on one can cash it without difficulty. If someone steals a check you've already endorsed, the money is as good as gone.
Step 5: Flip through your checkbook when you get new checks from your bank to make sure that the check numbering sequence is not broken. It should be continuous with no missing numbers. If a check is missing, call the bank right away and have any check bearing that number canceled.
Step 6: Use a colorfast pen. Ballpoint pens and pens that use marker ink can be washed. Instead, use a gel pen—the color is actually trapped in the dye of the paper, making check washing impossible.
Step 7: Never leave blank spaces in the "Pay to the order of" or "Amount" fields of your checks.
Step 8: Mail all checks at a mailbox. Don't leave them sitting in your home mailbox for a letter carrier to collect. The wrong person might get her hands on sensitive information if you simply leave it sitting out in the open.
Step 1: Put all of your important information into one file. Try not to make too many duplicates of Social Security cards, birth certificates, and other private documents; this way, you won't have to keep track of so many.
Step 2: Keep an eye on your wallet and purse at all times when you are out in public places. Keep wallets and purses securely closed; you could easily drop important ID or a thief could steal from you.
Step 3: Surf the Internet with caution. Don’t be too quick to give out your personal information on websites. Not everything you see and read online is legitimate.
Step 4: Use safe payment methods on the Internet, such as PayPal. This will give you security of knowing your information is protected from third parties.
Step 5: Avoid scams that are sent through email. You may see emails stating that your PayPal account needs to be accessed followed by a link. Never click that link. It could be a virus that tracks everything you do on your computer and give hackers access to information that you type.
Step 6: Shred bills, credit card offers, and other papers that you throw away. This is crucial. There are people who sift through trash cans to find valuable information.
Step 7: Use your instincts. If something seems too good to be true, most likely it is. When you have a gut feeling about a company or website, don’t ignore it; you may regret it later.