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 insure that your card information is safe.
As 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 this matter please don’t hesitate to call. Thank you for your patience in this matter.
As a consumer it is important that you:
The Credit Union has received notice of reports of ATM fraud. the fraud has taken place at terminals within the Chicago 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?
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 – Advises Vigilance.
Beware of fraudulent emails claiming to be from NCUA offering payment for a survey. The National Credit Union Administration (NCUA) is reporting 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 involvement 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.
FRAUD ALERT! 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 or 800-523-4175 for VISA debit cards. Please call us at 217-351-3100, if you receive one of this 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 by 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 of and as 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.
DON'T: 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 lighted.
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.
Do not 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 an FBI agent or Policeman. 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 them. 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. ATM's are there for the consumer to use 24 hours a day 7 days a week. However, one still must take precautions when accessing.
Here are some 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 visibility of 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.