United Local Credit Union is dedicated to protecting you against fraud. While our team continually works to stop fraudulent activity, the most effective tool we can give you is awareness. Just remembering a few simple precautions will help you keep your personal information safe.
- Your account number, password, Social Security Number, ATM/Debit or Credit Card number, PIN and other personal account information are confidential.
A fraudster's goal is to obtain this confidential information so that they can illegally use your money or illegally use your identifying information. Be especially alert with this information on the Internet-fraudsters often try to obtain your confidential information through "phishing" emails and through "spoof" websites.
- It is very important to remember that United Local Credit Union never asks for personal information through email or by phone. United Local Credit Union never provides a link to a website through email.
In a typical Phishing case, you'll receive an e-mail that appears to come from a reputable company that you recognize and do business with, such as your financial institution. In some cases, the e-mail may appear to come from a government agency, including one of the federal financial institution regulatory agencies. They'll often use legitimate "from" email addresses, logos and links.
If you click the link, you could be redirected to a Spoof website that may look exactly like the real thing. Sometimes, a pop-up window will quickly appear asking for your confidential information.
A Phishing or Spoofing scam is trying to get you to take immediate action without thinking about the consequences. Remember, they are trying to get personal information so they can illegally use your money or your identity.
- Fraudsters use emails to obtain information and then use it to illegally withdraw funds. Never respond to emails or phone numbers asking for account or personal information and never follow a link within these emails.
Preventing Identity Theft
How can you prevent Identity Theft from happening?
- Promptly remove mail from your mailbox
- Carry only essential credit cards and identification
- Report all lost or stolen credit cards or checks immediately.
- Check all statements carefully to ensure you have authorized all charges.
- Maintain a list of the credit cards you use and cancel the ones you do not use.
- Don't carry your Social Security Card or birth certificate-leave them in a secure location.
- Store all personal information in a safe place and shred old credit card receipts, old accounts statements, and unused credit card offers before discarding.
- Write down or photocopy the front and back of all credit cards and keep in a secure location. Do the same for all banks and investment accounts.
- Don't give out personal information over the phone, through the email or over the Internet unless you've initiated the contact or are sure you know whom you're dealing with.
Recovering from Identity Theft
Here is what to do if your identity has been stolen:
- Notify the police and file a complaint.
- Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file.
Order a report: (800) 685-1111
Report fraud: call (800) 525-6285 and
Write to: P.O. Box 740256, Atlanta, GA 30374
Order a report: (888) 397-3742
Report fraud: call (888) 397-3742 and
Write to: P.O. Box 9532, Allen, TX 75013
Order a report: (800) 888-4213
Report fraud: call (800) 680-7289 and
Write to: P.O. Box 6790, Fullerton, CA 92834
Safety at the ATM
- United Local Credit Union links you to CO-OP ATMs where you can make deposits and withdrawals. Automated Teller Machines (ATMs) provide quick, convenient access to your accounts, but there are some safety precautions you should always take when visiting an ATM.
- Always pay close attention to the ATM and your surroundings. Don't select an ATM at the corner of a building; corners can create a blind spot. Use an ATM located near the center of a building. Do your automated banking in a public, well-lighted location that is free of shrubbery and decorative partitions or dividers.
- Never count cash at the machine or in public. Wait until you are in your car or another secure place.
- Stay Aware. Be aware of people trying to help you with ATM transactions or of anyone sitting in a parked car nearby. When leaving an ATM make sure you are not being followed. If you are, drive immediately to a police or fire station, or to a crowded, well-lighted location or business.
- Treat your ATM card like cash. Always protect your card and keep it in a safe place. If you have lost your card contact the credit union at 8:00am.
- Stay Alert at Drive-Up ATMs. Lock all of your doors and roll up all the other windows in your car before you start your transaction. Maintain a supply of Deposit envelopes in your car and have your deposit prepared before you get to the ATM.
- Monitor your Accounts. Closely monitor your bank statements, as well as your balances, and immediately report any problems.
We will NEVER contact you via e-mail to request or verify security information. If you receive a phishing email that has illegally used our name, logo or website, please call us immediately.