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IMPORTANT MESSAGE
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The Credit Union does not send e-mail, recorded or text messages to consumers regarding their accounts and the need for them to verify their information or unlock their account. These practices are attempts by criminals to steal your identity and commit fraud on your account. In these instances the criminals rely entirely upon the consumer to reveal their personal information with which to access accounts without even trying to gain access into the highly protected data files at today’s financial institutions.
If you receive an e-mail, recorded phone or text message, please DO NOT CALL THE NUMBER OR RESPOND TO ANY LINK OR ATTACHED FILE INCLUDED IN THE MESSAGE.
Occasionally, we have the need to discuss specific account activity with our members. We always conduct this via a live Credit Union employee, not a recording. If we telephone you with a question about your account, we may ask a security question to confirm your identity but will never ask for your full account number or account PIN number. (We know your account number; only you know your PIN.) These questions may include asking for the last four digits of your account number, the amount of your last direct deposit receipt, etc.
If you ever have any questions about with whom you are speaking, please hang up and call back to the Credit Union with a number you know to be us. You can find valid Credit Union telephone numbers on this web site, on your account statement, your membership card, on the back of your check or credit card, etc.
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About Phishing
Phishing is the act of sending an email communication to a user that claims to be a legitimate business in attempts to entice the user into giving private information through the use of a website. A Phishing email directs users to visit a website to update their personal information by clicking on a link within the text. Though the website may look legitimate; it is set up only to steal the users’ information. The information entered into such a website, such as passwords, user names, financial account or credit card information will be captured and used to commit identity theft.
About Vishing
Vishing is similar in concept to Phishing scams but Vishing uses internet telephone calling (voice over IP) in an attempt to steal consumer’s identities and commit fraud, whereas Phishing uses email. Vishers can program a different phone number and name so the caller ID information appears legitimate. These criminals also use programs to scan telephone directories and capture phone numbers within a specific area code to target the maximum number of potential victims in any given location. Oftentimes these internet calls, which are automated recordings, require consumers to verify their account information by returning the initial call via another toll free phone number.
If you responded to one of these e-mails by sharing personal financial information, please notify us immediately by phone at 1-800-338-0221, ext. 9829. We will provide you with instructions for protecting your account.
To report an incident
If you suspect you've been the target or victim of one of these schemes, DO NOT RESPOND TO THE MESSAGE! Contact the Credit Union as soon as possible at 1-800-338-0221, ext. 9829, or info@rtn.org.
Protect Yourself against Fraud
While we have provided numerous alerts over the past several years regarding the security of both personal and account information, some of our members still fall prey to fraudulent activities. We cannot emphasize enough the importance of sending up your own ‘red flag’ whenever anyone prompts you for privileged or private information. Fraud is on the increase and criminals are always looking for new and devious ways to dupe unsuspecting victims. They use the internet, phone calls (sometimes with false caller IDs), emails, and a host of other ordinary ways to deliver what appears at first to be valid communications. These schemes will surely continue with evermore cunning to compromise your trust. That’s why it is essential to develop your own brand of suspicion or caution – that ‘red flag’ -- whenever anyone asks for your personal data.
Verify communications by using known RTN telephone numbers on your statements, newsletters, and on the backs of credit cards or ATM/Debit cards; or visit us online to communicate by e-mail or find additional resources to safeguard your identity and accounts. Remember, RTN will never ask for your PINs or account information in any communication. NEVER respond to requests such as this or click on the links in an e-mail communication.
For more information on Identity Theft: Visit FTC's Identity Theft Website
> Protect yourself from identity theft with IDSafeChoice Plus
Do you know....
► One in five US adults reports receiving notice from a business, government agency or other organization that the consumer’s identity may have been improperly disclosed.
► Over 9,000,000 Americans reported incidences of identity theft in 2005
► There are five common types of identity theft: Driver's license, Social Security, medical, character/criminal and financial.
► 51% of all identity theft is not financial.
Protect your identity with IDSafeChoice Plus. This comprehensive identity theft protection will reduce your risk of becoming an identity theft victim, protect your family, minimize the damage thieves can do if they obtain your personal information, and restore your good name more quickly and easily.
This protection is available for only $5.95 per month for the individual plan, $9.95 per month for the family plan. Click here for more information and to enroll.
> Restricted Visa Credit Check Card Use
Traveling overseas? Check the restricted card list
The use of technology certainly has improved the lives of millions of consumers, however, it has also made it easier for criminals to commit fraud. Furthermore, some regions of the world or certain web sites make it easier for criminals to successfully defraud consumers.
To protect our members from having financial fraud and /or their identities being compromised, the Credit Union blocks certain transactions from being able to be posted to members’ accounts. If you are traveling or conducting online transactions, we suggest you reference this list frequently to be aware of transaction issues you may encounter as this list changes often.
If this action poses a problem for you, we suggest you contact Member Services to discuss alternative courses of action regarding your account. In some cases, we may be able to allow transactions to be posted to specific accounts on a limited time basis.
If you are planning on travelling overseas, we recommend you call the ATM/VISA Check Card Department at 1-800-338-0221, ext. 9939, to make us aware of your travel plans. Our knowledge of your travel plans will allow us to monitor your account and/or realize transactions are authorized in the event a question arises.
Restricted Card Use List
Card Type: VISA and MasterCard credit card
Restriction: Only PIN-based ATM cash advance transactions allowed; no signature-based transactions allowed
Countries:
Australia
China
Hong Kong
Japan
Kuwait
Indonesia
Iran
Iraq
Malaysia
Morocco
North Korea
Saudi Arabia
Singapore
South Africa
South Korea
Taiwan
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