financial protection and security
Phishing Scam advisory
Due to the rising number of nationally reported Phishing scams, please be advised of the following to protect yourself and your Eagle Community Credit Union Account.
Eagle staff will NEVER call, text message, or email you or your family to confirm personal or confidential information. Nor will we ask you to share or send us sensitive information, such as:
- Account Numbers
- Social Security Numbers
- Online Banking Login and/or Password
- Online Banking Device Registration Codes sent to you
- Debit or Credit Card Numbers
- Debit or Credit Card PIN Numbers
These attempts to retrieve your information are a known nationwide fraud scheme called Phishing.
DO NOT share any personal information with fraudsters regardless of what they tell you.
If someone contacts you requesting this information and claims to be an Eagle employee (even if it looks like an Eagle phone number or email) hang up the call, or do not reply to a text/email, and contact Eagle Community Credit Union right away.
While it can be difficult to prevent scams from happening; you can educate yourself on what to look for below:
In light of the current Coronavirus epidemic, the World Health Organization and the Federal Trade Commission have released information on scams looking to take advantage of the public's concern on the topic. Please read more on the topic by clicking on the two links below:
CORONAVIRUS AID, RELIEF AND ECONOMIC SECURITY (CARES) ACT SCAM
With the announcement of the government stimulus program, “Coronavirus Aid Relief and Economic Security (CARES) Act”, fraudsters are creating new scams to trick people out of their money, as reported by the Better Business Bureau (BBB).
As your credit union, your safety and security are one of our top priorities Please review these helpful tips to protect yourself from potential CARES Act scams:
- US Government agencies do NOT contact people through text messages or social media such as Facebook, Instagram, Twitter or LinkedIn.
- There is NEVER a fee for a government grant.
- A government agency will never request an advanced processing fee to receive the grant.
- CARES payments are expected to come the same way as your last income tax refund. If you had it directly deposited to your account, the CARES payment will be the same.
- Most people will NOT get a paper check but will have the payment electronically deposited through ACH – just like your tax refund.
Due to the increase of online transactions, debit and credit card fraud has also seen an increase. Eagle's cards have 2-hour fraud protection that tracks your regular purchasing routines and will call you if a purchase seems out of the ordinary. This is why it is very important that you keep your contact information current and that you inform us of travel plans before you use your card. If you suspect fraud on your account, call us first to block or cancel your card. We will then reorder you a new card and start the process to return your funds.
From time to time we also recieve alerts from businesses if their systems have been compromised, and will then take precautions to cancel your card and order you a new one to prevent fraud.
Be aware of unsolicited phone calls, automated phone calls (known as "vishing"), text messages and email fraud attempts (known as "phishing") that are attempts to collect your personal information to commit fraud. Balance transfer offers to solicit your credit card numbers are common after the holidays. Do not provide any of this information to unknown sources. People may impersonate credit union employees and ask for personal information like social security numbers, account numbers, credit card numbers and PIN numbers. Additionally, be cautious of automated phone calls asking you to call a number and leave a message that includes personal information or asking you to enter personal information. Please be advised: Eagle staff will NEVER call, text message, or email members to confirm personal or confidential information. Nor will we ask you to send us sensitive information, such as account numbers or social security numbers, through these mediums. If you are ever unsure about a call, text message, or email pertaining to your account, please contact us and forward any suspicious emails and text messages to firstname.lastname@example.org. Do not reply or respond to the perpetrators.
You can file formal complaints concerning any suspected fraudulent email with the Internet Crime Complaint Center (IC3) The IC3 is a partnership between the Federal Bureau of Investigation, the National White Collar Crime Center and the Bureau of Justice Assistance.
Identity theft occurs when someone uses your personal information, like your name, Social Security number or credit card number, without your permission, to commit fraud and other crimes. A victim often doesn't know their identity has been stolen until it's too late.
How to report identity theft if you're a victim:
- Contact your financial institutions immediately, including Eagle and all credit card issuers
- Review your statements and report all cases of fraud
- Contact the three major credit bureaus and request a copy of your credit report and notify them of the situation
- File a police report and obtain a copy for yourself
- File a complaint with the Federal Trade Commission at ftc.gov/idtheft or call 877-ID-THEFT (877-438-4338). Reporting your complaint can help law enforcement officials across the country with their investigations
Monitor your credit and identity with ID Protect, included with Eagle's Ultimate Checking account. Learn more.
MOBILE BANKING SECURITY
Protect your mobile phone just as you would your personal computer. Here are some tips to keep your information secure on your phone.
- Password protect the mobile device
- Download signed applications only from trusted sources
- For mobile devices using the Android operating system, do not enable Android’s “install from unknown sources” feature
- Never store usernames and passwords on the device
- Keep the mobile device with you or secure the device when not in use
- Frequently delete text messages received from the credit union
- Notify the credit union and carrier immediately if the mobile device is lost or stolen so that it can be deactivated
- Do not modify the mobile device as it may disable important security features
- Install antivirus software
- Check your account frequently and notify us of any unauthorized transactions
- Do not respond to text messages requesting personal information, i.e. Social Security numbers, credit/debit/ATM card numbers, and account numbers
- Do not click on links or open attachments in emails or texts from unfamiliar sources
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