(207) 945-6264 or 1-800-974-4475 
12 Days of Holiday Fraud Prevention Tips for Members:
1) Always make sure your receipt reflects the correct transaction amount
2) When entering your PIN number ensure that someone is not able to see you enter the PIN by keeping your body or wallet in front of the keypad
3) Lower your credit line limit during the holidays
4) When using a debit card, you may select "credit"; this requires a signature therefore providing more protection for the member under the Visa/MasterCard association rules
5) Review all accounts activity and daily
6) When paper checks are converted at a merchant to ACH, store the voided checks safely to prevent fraud or unauthorized transaction 7) Be suspicious of emails from unknown parties: dont open emails from any unknown source
8) Save your credit unions website address in your favorites to avoid "spoofed" websites that could steal your information
9) Only shop online with merchants who require security infomation such as address verification and the CVV2/CVC2 number on the back of your card
10) When shopping in person or using an ATM, be aware of your surroundings and report any unusual activities to your credit union
11) Don't leave your purse, wallet, or cards unattended
12) If an offer seems to good to be true, it probably is, so BE CAUTIOUS
Related Resources:
FBI'S Holiday Shopping Alert issued December 1,2009
http://www.fbi.gov/page2/dec09/scams_120109.html
FTC's OnGuard Online Shopping Report
http://www.onguardonline.gov/topics/online-shopping.aspx
CUNA Mutual RISK Alert on Phishing Scams issued October 29,2009
https://sites.cunamutual.com/cmg/secured/protresource/ssl/riskAlertDetail/0,1579,22929,00.html
Recent scam.
Please be very careful on websites with a "Free Trial Offer" or "Only $1.00 to try" this does not necessarily mean it is free. Majority of the time this is an open door for fraudulent activity to occur specially when a Visa Debit Card account number is entered into a database to pay for shipping or for the dollar charge. Once they have your debit card number they can use it for anything. Just be very careful when giving out your debit card number.
Scams & Alerts
We have been notified from Card Services of a scam going around right now. It is called SMiShing attacks (also known as text phishing). It has impacted cardholders of financial institutions loacted primarily in the eastern region of the U.S.
SMiShing is a type of social engineering that uses cell phone text messages to persuade victims to provide personal information such as card number, CVV2, and PINs. The text message may contain either a website address or more commonly, a phone number that connects to an automated voice response system, which then asks for personal information.
Here are some examples of SMiShing messages recently sent to cardholders:
Text message originating from either notice@jpecu or message@cccu:
- ABC CU-has-deactivated-your-Debt card
- This is an automated message from ABC Bank. Your ATM card has been suspended. To reactivate call urgent at 1-866-215-XXXX.
Text message originating from sms.alert@visa.com:
- sms.alert@visa.com/VISA. (Card Blocked) Alert. For more information please call 1-877-269-XXXX.
Although we or our business partners may ask you for personal information to confirm identication such as your name, date of birth, and/or last four digits of your SSN, we will never ask for a CVV2 or a PIN. If you contact the telephone number or website referenced in the SMiShing message and provide them with the PIN, PIN fraud may be imminent. Please call us at 207-945-6264 or the phone number on the back of the card which is (800)472-3272 to have the card restricted.
