Security, Purchase Alerts and Card Settings
Security, Purchase Alerts and Card Settings
You work hard for what you have, why leave your account to chance? Protecting your information, your computer and even you are critical. Our team wants you to be aware of scams and fraudulent activities, but you need to be an active participant. To improve your safety net and minimize the chance of becoming a victim, we’ve prepared some helpful resources to keep yourself protected. Our team is here to help if you feel you have been a victim of fraud on one of your accounts. Remember, it is a good idea to check your credit report to make sure nothing looks suspicious. We’ve prepared some helpful resources below to make you aware of how to keep yourself protected.
To report any suspicious communications, please call our Member Experience team at (800) 321-8570.
Fraud – Prevention
A lot of fraud victims don’t take the necessary steps to protect themselves. Below are a few easy things you can do that will go a long way towards keeping your accounts protected. Please report any suspicious communications to your local branch staff or call us directly at (800) 321-8570 during business hours (M-F, 8am-6pm EST).
DO NOT REPLY/ENGAGE WITH SUSPICIOUS COMMUNICATIONS
NEVER GIVE YOUR PERSONAL INFORMATION TO A PERSON/BUSINESS CONTACTING YOU. There is *never* a reason we, or any other legitimate person/business, will ever contact you to ask you for personal/identifying information including your passwords, PINs, access to Online Banking, or MFA one-time access codes.
READ YOUR MONTHLY STATEMENTS
Make sure there are no suspicious transactions on your monthly statements and report them right away if there are. Our Member Service Department is available Monday – Friday from 8am-6pm (EST) at (800) 321-8570.
HOW TO SET UP PURCHASE ALERTS
It’s as simple as visiting Visa.com/purchasealerts and following the instructions on the screen. If you ever notice there is an unauthorized transaction on your card you should contact us immediately at (800) 321-8570. We will deactivate the compromised card and have a new card reissued.
READ YOUR CREDIT REPORTS
You have a right to a free credit report every 12 months from each of the three nationwide credit reporting companies. Order all three reports at once, or order one report every four months. To order, go to www.annualcreditreport.com, call 877-322-8228, or visit one of the three major credit reporting agencies directly using one of the links below.
Fraud – How to Avoid Scams
How to Avoid Common Scams Online
- Never share your user names, passwords, or PIN numbers. There is NO reason any legitimate person or business will ask for this information.
- Create strong passwords. Use a combination of upper and lower case letters, numbers and symbols.
- Make sure your antivirus software and operating systems are up to date on your computer and phone. When operating systems and antivirus programs are not up to date your devices become vulnerable.
- Delete Unsolicited Emails. One of the best ways to avoid email scams is to delete unsolicited emails. If you didn’t initiate the contact, there’s a good chance you’re being targeted for fraud. Legitimate companies will never send you pertinent information by email.
- Don’t Believe Promises of Money or Prizes. Any email or social networking link that promises free money or prizes should be dismissed, as these are almost always scams.
- Question Requests for Donations. Whenever there’s a national disaster, con artists have a field day sending bogus requests for donations.
- Never Disclose Sensitive Personal Information. Any person who sends you an email asking for sensitive information, such as your bank account number or Social Security number, is up to no good. No matter what they promise you, mark the email as spam and move on.
- Hover Before You Click. Whenever you receive an unsolicited email asking you to “click here,” beware – even if it sounds like a legitimate company. The same goes for social networking links that take you to what appear to be login pages. These may be, in fact, sites designed to steal your information.
For suspicious activity/communications, please contact us at (800) 321-8570 (Monday-Friday, 8am-6pm EST).
With fraud and online scams more common than ever, Zeal Credit Union works hard to raise awareness about your security online. Our world is more connected than ever before, and our goal is to educate people about the dangers that exist online and regarding fraud. No matter what you’re doing online, practicing effective security is critical. All digital consumers must learn to be safe in their digital lives. Online safety includes preventing identity theft and scams, as well as ensuring your computer and mobile devices are secure.
Visit the link below to learn more about common Fraud Tactics and How to Spot Them!
How to Report Fraud & Identity Theft
MY IDENTITY WAS STOLEN – NOW WHAT?
Falling victim to identity theft or fraud is stressful. If you or a loved one needs help to report a scam or fraud, it’s important to know what to do next.
To learn the seven steps to take if your information/accounts are compromised, click the link below:
