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Category:  Security

Stay Protected from Fraud

Posted in Security
Updated December 13, 2019 8:01 PM
NL Security 300x200 11 19

Helping our members keep their personal information safe will always be one of our top priorities. As a result, we share information frequently about scams and other relevant security issues. Recently, there has been an increase in text message/phone scams affecting CCU and other financial institutions across the country. We’ve highlighted the details below. 

What’s happening:
Using “spoofed” text messages and/or phone calls (a masked number made to look like a familiar or trustworthy number) that appear to be coming from a legitimate financial institution, fraudsters ask members about a fraudulent card purchase, then ask the member to confirm the 3-digit code on the back of their card. After the card information is verified, the member is asked to enter a series of numbers into his or her phone to confirm and process the dispute. This series of numbers actually forwards the member’s phone number directly to the fraudster so he or she begins receiving the member’s calls.

What you need to know:

 We would never call and ask you:
  •  For your personal information
  •  For your PIN
  •  For the 3-digit security code on the back of your credit or debit card
  •  To enter any numbers or other information into your phone


What to do:
If you receive a call or text from someone who says they are with CCU and asks for this information, hang up and call us at (800) 677-8506. If you ever feel that you may have been a victim of this or any other scam, call us so we can block your card.

Don’t fall victim to fraudsters! Help protect yourself and keep up-to-date on all the latest scams here.

 

Watch Out for these Scams after Natural Disasters

Posted in Security, Tips
Updated June 11, 2019 7:20 PM
Common scams

After disasters, it’s important to keep an eye out for these common scams:

Home Repair Scams

A common home repair scam involves a person showing up at your property and offering to do repair work. The person will ask for funds up front, and once you have paid, he or she never returns. Never pay more than half the cost of repairs in advance and always ask for a detailed estimate in writing. 

Before hiring someone, check their references, insurance, and licenses. It’s also a good idea to ask your neighbors and friends who they have used locally to complete their repairs.

Other Scams

Scammers may also pose as utility workers, insurance adjusters, and FEMA officials. Always verify the identity of anyone who contacts you by calling the utility company, insurance company, or FEMA directly. Also beware of anyone who asks for your 9-digit FEMA registration number or banking information. Legitimate FEMA officials never ask for this information.

Donation Scams

We all want to help after a disaster, but it’s important to check out any charity you’re thinking of donating to ahead of time. You can use websites like Charity Navigator, Charity Watch, and Guidestar to make sure any non-profit is legitimate before making a donation.

Keep an eye out for unsolicited donation requests that may come to you by email or social media. Don’t click on links in emails or on Facebook or Twitter; they could be links to malicious websites.

When using a search to find charities, be careful with the search results. Carefully read the Internet addresses before you click. Scammers often create fake websites with web addresses that are very close to legitimate charity URLs. Look for slight misspellings, tweaks, or sound-alike names. Know that most legitimate non-profit organizations web addresses also typically end in .org.

 

What to Do After a Hurricane

Posted in Security, Tips
Updated October 15, 2018 7:25 PM
Community Help

If your home has been damaged during a hurricane, follow these steps:

Take Pictures and Document Damage

Document the damage thoroughly with photos and/or video, as it will make the insurance claims process much easier. In addition, keep a running list of all damaged items and any expenses you incur after the hurricane is over, like temporary relocation expenses.

Secure Your Property

If it’s possible and safe to do so, make efforts to secure your property from additional damage (like covering broken windows with plastic to keep rain out). Don’t make permanent repairs until an insurance adjuster reviews the damage.

File Claims

Notify your insurance company as soon as possible that you need to file a claim. Provide a general description of the damage and have your policy number ready if possible. If your policy is through the CCU Insurance Agency, contact your insurance company directly to start the claim process. If you aren’t sure which insurance company your policy is with, call us at 844-835-7641.

Insurance Claims Contact Information

Homeowners insurance policies typically exclude flood losses from coverage; however, you may have a separate flood insurance policy. If you do not have coverage for a flood loss, visit www.DisasterAssistance.gov or call 800-621-3362 (TTY 800-621-3362) to learn more about Federal Emergency Management Agency (FEMA) assistance.

Please note, FEMA forms may ask for your bank or credit union’s Routing & Transit Number. Corning Credit Union’s R&T number is 222380359. If you need to include your checking account number, use the 14-digit Member Account Number on the bottom of your checks. Feel free to call us if you need help.

Return Claim Forms

After you file your claim, your insurance company will send you forms to fill out and return as soon as possible. A claims adjuster may also schedule time to inspect the damage to your home and personal property.

Receive Insurance Proceeds

If you have a mortgage on your property, the insurance claim check will be made jointly to you and your mortgage lender. If your mortgage is with CCU, call our Real Estate Services team at 800-677-8506.

Make Repairs

When you’re ready to start repairs, ensure you select a qualified contractor to help. Keep an eye out for common scams that often occur after disasters.

The Greater Wilmington Business Journal has created a place for businesses, home owners and others in the region to find needed resources to help recover from a Hurricane.





Foremost Insurance
800-527-3907

Hartford
800-243-5860

NC Joint Underwriters / Insurance Underwriters Association
800-662-7048, Option 1

Progressive
800-776-4737

Safeco
800-332-3226

Travelers
800-252-4633

Assurant Flood
800-423-4403
www.myflood.com
reportfloodclaim@assurant.com

 

Card Security Reminder

Posted in Security
Updated October 15, 2018 7:27 PM
Fraud Prevention

Security Reminder: We’ll never ask you for your card’s expiration date or 3-digit code.

Corning Credit Union will never call and ask you to provide confidential information to verify your identity or your credit or debit card activity.  Even if a call looks like it’s coming from CCU, know that we’ll never ask you for your card’s expiration date or 3-digit code once you’ve activated the card.

If we ever suspect fraudulent activity may have occurred on your card, our  Visa Fraud Prevention Service may call regarding these suspicious transactions. However, this service will never prompt you to enter or state your card number, 3-digit code on the back of your card, expiration date, PIN, or member account number.

 

Creating a Strong Password

Posted in Security
Updated October 15, 2018 7:29 PM
What's Your Pass

What's your password? Don’t tell us (seriously, number one rule, don’t tell anyone your password!), just think about what your passwords are for a second. Are they strong and unique? Have you changed them lately? Do you use a different password for each account? If you answered no to any of these, you’re putting your personal information at risk. Here’s a quick reminder from our Information Security team on how to create a strong password and how you can help keep your information secure:

  • Consider including uppercase letters, digits, and/or symbols in unpredictable places. Attackers know that most people put numbers and symbols at the end of their password and uppercase letters at the beginning so using this trick can help throw them off.
  • Create a pass “phrase” instead of a password. This can be a series of random words or an entire sentence that only has meaning to you and can include spacing, punctuation, digits, and symbols. These are easier to remember, but still hard for hackers to figure out.
  • Change your password 2-4 times a year to give attackers less of a chance to guess your credentials and gather your information.
  • Never use the same password for all of your accounts. Once hackers figure out one password, they can use it on your other accounts to gain access to your information.

 

Protect Yourself from Identity Theft

Posted in Security
Updated August 28, 2019 12:46 PM
Shield

It’s no secret that instances of identity (ID) theft are on the rise. Unfortunately, many people are unaware of the steps they can take to help prevent it from happening to them. To help protect your identity and personal information, we encourage our members to follow the steps below.

  • Frequently review your account activity and immediately report unauthorized transactions. Don’t forget, you can monitor your accounts 24/7 with Digital Banking by logging in online or using our free mobile banking app.
  • Review your credit reports for accuracy. You are entitled to one free credit report each year. Click here to get started.
  • Don’t respond to emails, text, or telephone calls asking for personal or financial information. Note that attackers like to use news about a breach to form an attack via phishing and other types of scams. If you are approached, be cautious and seek out information through a trusted source.
  • Set up alerts on your account so you can be notified when suspicious transactions are detected. At CCU, you can enroll your CCU credit and debit cards in our text messaging fraud alert service. Learn more here.
  • Always use multi-factored authentication when available. Multi-factor authentication is a login approval process that helps protect your information. It is a layered approach that requires more than one method of authentication outside of your username and password to access your account.
  • Update Personal Identification Numbers (PINs) and passwords, including email passwords, and follow best practices (i.e. using long and complex phrases, and never re-using a password).
  • Consider enrolling in an identity theft protection service to help monitor your accounts and personal information.

Have you experienced identity theft? Here’s what to do.

  • Contact each of the three credit reporting agencies to notify them of the suspected ID theft or fraud.
  • Consider placing an initial fraud alert on your credit report. Doing this will require potential creditors to contact you to obtain permission to open new accounts or lines of credit. Keep in mind that an initial fraud alert only lasts for 90 days.
  • Consider putting a freeze on your credit file. This will block an institution from being able to access a report, lowering the risk of ID theft and the opening of fraudulent accounts in your name. Note that you must freeze and thaw at each credit agency separately. If you are applying for a new loan or line of credit, you must thaw the freeze by using a PIN/password ahead of time or the process may be delayed.

  Learn more about fraud alerts and credit file freezes, and which option may be the best for you.

We know that this can be an overwhelming and frustrating topic, but if ignored, there can be greater implications that could impact you and your credit. Don’t hesitate to contact us if you have any questions or concerns.


What is Identity Theft?

ID theft is a crime where someone steals your personal information (name, address, birthday, or social security number) to commit fraud. Once the thief has this information they can use it to apply for credit cards, apply for a loan, file taxes, get medical services, and more, all in your name. As the victim of this theft, your credit could be damaged and you could lose time and money in an attempt to restore your name. To make matters worse, you may not even know you are a victim of ID theft until these acts have already occurred.

 

Secure Your Digital World

Posted in Security
Updated October 02, 2019 1:02 PM
Sheild Icon

At CCU, we have many safeguards in place to help keep your personal information secure, and we want to help you protect yourself, too. Here are several simple strategies that you can follow to keep your information safe and secure online.

Secure Yourself

If you receive a message or a phone call that seems odd or too good to be true, chances are it’s a scam to get your personal information. Cyber attackers use phishing, a technique that uses spoofed or fake emails and fraudulent websites, to gain access to your information and steal your identity. Educating yourself on how to identify phishing scams will help keep your information secure. To help you, we offer detailed information on what to look for if you receive suspicious messages.

Secure Your Computers and Devices

Protecting your computers and devices is key to keeping your personal information safe. Here are some helpful tips on how you can protect any device connected to your home network:

  • Protect all devices with a strong Personal Identification Number (PIN) or passcode.
  • Ensure all devices are running the latest version of their software and whenever possible, enable automatic updating.
  • Enable and run the latest version of the firewall and anti-virus installed on your computer.
  • Use an up-to-date browser (Internet Explorer, Google Chrome, etc.).
  • Remove all personal information from your devices when you dispose of them. Simply deleting files from your devices does not actually delete your information. Mobile devices require a factory reset and computers and storage devices require that the hard drive be physically destroyed to ensure all of your personal information has been removed and cannot be recovered.

Secure Your Accounts and Passwords

So many of us use our computers and other devices to access or share information online, making us an easy target for hackers. Creating a strong and unique password for each site you use is a simple step you can take to protect your personal information. This short video explains why having a secure password is important and provides simple tips on how you can create a strong password.