Keep Your Card Information Safe...and Your Identity
Too it’s true, the bad guys are out there. They are looking for ways to get your information, even sourcing your credit and/or debit card for information they can use to transact, leaving you to pick up the pieces. At Noble Credit Union, we have several safe-guards in place, including a text alert feature should unusual activity on your credit or debit card arise. Here's how it works if we suspect unusual activity on your credit or debit card:
1. You will receive a text alert notifying you of a particular transaction. This alert will go to the phone number on file, so please be sure it is up to date.
2. If the transaction was yours, let us know and that's it.
3. If the transaction was not yours, let us know and we'll take steps to prohibit further invalid card transactions.
Security is our top priority and we know that others out there may communicate with you, pretending to be us. Here are some steps to protect yourself:
* A text alert from us warning of suspicious activity on your card will NEVER include a link to be clicked. Never click on a link in a text message that is supposedly from us. A valid notification will provide information about the suspect transaction and ask the cardholder to reply to the text message with answers such as ‘yes’, ‘no’, ‘help’, or ‘stop’. It will never include a link.
• A text alert from us will always be from a 5-digit number and NOT a 10-digit number resembling a phone number.
• A phone call from our institution will only include a request for your zip code, and no other personal information, unless you confirm that a transaction is fraudulent. Only then will you be transferred to an agent who will ask questions to confirm that you are the actual cardholder before going through your transactions with you. If at any point you are uncertain about questions being asked or the call itself, hang up and call us directly. If a call is received by the cardholder, claiming to be our call center and asking to verify transactions, no information should have to be provided by the cardholder other than their zip code, and a ‘yes’ or ‘no’ to the transaction provided.
• We will NEVER ask you for your PIN or the 3-digit security code on the back of your card. Don’t give them out to anyone, no matter what they say. Hang up and call us directly. Fraudsters will often ask cardholders to verify fake transactions. When the cardholder says no, they did not perform those transactions, the fraudster then says that their card will be blocked, a new card will be issued, and that they need the card’s PIN to put it on the new card. Many people believe this and provide their PIN. The 3-digit CV2 code on the back of the card will allow a fraudster to conduct card-not-present transactions.
• Regularly check your account online to see if there are any suspicious transactions that have occurred, but especially if you are unsure about a call or text message you’ve received. If anything looks amiss, call us directly for assistance.
• If you have received a voice- or a text-message from us and are unsure about responding to it, call us directly for assistance.
Another layer of protection available to you is through the app called CardValet (found in your app store). With CardValet, you can set up your own alerts for transactions that occur with your credit and/or debit card. If you see a text come from the CardValet app for a transaction you did not do, you can quickly and easily go into the app and "turn off" your card, thereby stopping any and all transactions from taking place, until you contact the Credit Union. Here's how it works: Download the CardValet app from the Apple or Google app stores Enter our card information and set up a username and password Set your preferences and alerts and you are all set! Be sure to download CardValet today for the greatest card control.
7 Tips to Avoid Being a Victim of Fraud
The security of your personal information is our top priority. We have many sophisticated fraud prevention systems in place and we will continue to monitor your account for suspicious activity. We recommend you also closely monitor your accounts and credit reports in the following:
- Never give your personal information (social security number, account numbers, et) to anyone that calls you. If you receive a phone call asking for such information, request to get their name and phone number and call them back. Always be sure you know exactly who you are giving this highly personal information to. When in doubt, don't give it.
- Obtain your free credit report by visiting www.annualcreditreport.com. You can obtain your credit report from each of the three bureaus on a yearly basis. Review the report to ensure that all the information is correct and up to date. Look for any discrepancies and report any immediately to the credit bureau. Then get in the habit of checking them yearly.
- Request a security freeze from each of the three credit bureaus (there may be a fee for this service). A security freeze will help prevent credit, loans and other services from being opened in your name without your permission.
- Consider purchasing an ID protection and monitoring service. Carefully review any program(s) you are considering.
- Keep a close eye on your bank statements for anything that looks suspicious - you should be doing this anyway, but now is good time to give a closer inspection. You can check your accounts through online banking or on your web-enabled phone with the Noble Credit Union mobile app for Apple and Android systems.
- Access the MyCU Connect Automated System by calling (559) 252-5000 to receive a review of transactions on your account(s).
- Download and use the Card Valet app found free in your app store, and load your Noble credit and/or debit card(s) and setup instant alerts each time your card is used. If an alert comes through for a transaction you did not make, simply open the app, turn off the card and call the Credit Union.
If you suspect you are a victim of fraud or identity theft, please call Noble Credit Union at (559) 252-5000 or (800) 613-2328.
12 Ways to Practice Safe ATM Transactions
ATM fraud is on the rise. Here are 12 ways to protect yourself and your account from theft!
- Look for recent device modifications – bulky keypads, electrical tape, fresh glue, unworn plastic, etc. These can be signs of a PIN capture device being used.
- Check for cameras – tiny pinholes provide clear views of the keypad and are a prime target for recording PINs. Security cameras designed for safety are obvious and usually mounted further away.
- Cover the PIN pad with your other hand to keep your transaction safe from prying eyes.
- Look for people sitting nearby who are using laptops, PDA’s, or cellphones. If they’re sitting there for more than a few minutes, they may be eavesdropping using the device.
- Do not share your PIN with anyone you don’t want using your card (and that should be a very small circle). If you write down your PIN, keep it in a secure location away from the card. Don’t carry it in your wallet or record it in your phone!
- Only use ATMs in well-lit, public spaces. Prefer those that offer drive-up service and don’t have buildings or heavy foot traffic nearby.
- If you have trouble with an ATM, go to the nearest bank branch or use another ATM. DO NOT let strangers “help” you with the transaction.
- Avoid ATMs in tourist hotspots like shopping malls – these high traffic areas make it easier for thieves to work.
- Monitor your checking account statement regularly for suspicious or unknown charges.
- Report any unusual account activity to your credit union right away.
- Remember that POS terminals, gas station consoles and other payment locations are just as vulnerable as standalone ATMs.
- Whenever possible, process your debit card transaction as a “credit” transaction so you will be prompted to sign for it rather than enter a PIN that can be seen by the next person in line.
Below are examples of devices that can be placed on ATMs. Pay close attention to the card reader where you are inserting your card. If necessary, jiggle the card reader. If you feel any wiggling, do not use the machine and contact the phone number on the machine immediately.