You may have heard some things in the news about Equifax. Members who think that they may have been affected by this incident, or those who want extra protection, can request an Equifax credit freeze. Equifax also has a great article on fraud alerts vs. credit freezes so that you know which is best for your situation.
With so many merchant data breaches in the news, we want you to know FAST Credit Union is ready to help if your personal or financial data is ever compromised. We will do everything we can to protect your confidential information, and here's some things you should know...
- You aren't liable for any fraudulent transactions
- We’ll help fight fraud by contacting you if a purchase seems suspicious (so if you're traveling, or need to update your information - please let us know)
- Your cards have daily cash and transaction limits to help limit the fraud loss. If you need these limits changed at any time, please let us know.
- If your card (or account) is compromised, you'll receive a new one and we'll walk you through the entire process.
FAST is subject to strong data security standards established by Congress and federal regulators. Unfortunately, merchants and retailers aren’t subject to these same federal requirements.
When your debit or credit card data is breached at a retailer, we can’t control it, but the cost of card replacement and/or reimbursement to you is paid for by FAST – not the merchant.
Credit unions around the country are leading the effort to get Congress to pass legislation ensuring merchants and retailers meet a national standard for protecting any of your financial data they collect when you make a purchase. We hope you will support us in this effort.
In the wake of the recent tragic event in Las Vegas, US-CERT warns users to be watchful for various malicious cyber activity targeting both victims and potential donors. Users should exercise caution when handling emails that relate to the event, even if those emails appear to originate from trusted sources. Event-related phishing emails may trick users into sharing sensitive information. Such emails could also contain links or attachments directing users to malware-infected websites. In addition, users should be wary of social media pleas, calls, texts, fraudulent donation websites, and door-to-door solicitations relating to the recent tragic event.
To avoid becoming victims of fraudulent activity, users and administrators should consider taking the following preventive measures:
• Review information from the Federal Trade Commission on Charity Giving, which includes links to check if charity organizations are legitimate.
• Review information from the Federal Bureau of Investigation on Building a Digital Defense Against Charity Fraud.
• Use caution when opening email attachments, and do not click on links in unsolicited email messages. Refer to the US-CERT Tip on Using Caution with Email Attachments.
• Refer to US-CERT's Tip on Avoiding Social Engineering and Phishing Attacks.
Anything with your personal information.
Never let others see it or write it down.
Unless your initiated contact, do not give out personal information.
Review statements, confirmations and notices.
Credit or debit cards, checks, statements, confirmations or any personal information immediately.
- less than 10% online (Go green!)
- over 40% from lost (or stolen) purse/wallet
- mostly from stolen mail or "friendly" theft
(meaning someone you know or because of a transaction you did.)
Here are some tips to help keep your information secure while getting gas
• Look for security tape over gas pump cabinets to ensure it hasn't been tampered with by unauthorized parties. If the security tape is removed, cut or the gas pump appears tampered with, do not use it and report it to the manager.
• Use gas pumps located closer to the front of the gas station as fraudsters will typically place skimming devices at gas pumps away from the store to go unnoticed.
• Run your debit card as a credit card instead of entering a PIN number or use your credit card instead of your debit card.
If you suspect that your debit or credit card numbers may have been compromised, report it immediately to us and the authorities.
Each quarter you can bring 1 square foot of personal information to shred. Any of our branches can accept your items for shred.
Notify FAST immediately if you’re missing your FAST credit card, debit card or any checks. Report credit card fraud to the 3 credit bureaus:
Equifax Credit Report Freeze 800-525-6285
Experian Credit Report Freeze 888-397-3742
Transunion Credit Report Freeze 800-680-7289
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|1-888-400-5530||If you think you have been the victim of identity theft or you want more information on the recent data breaches.|
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