Phishing is the act of sending an email to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft. The requested information is most often credit card numbers, but it can also be credit union or bank account information, Social Security numbers, passwords, or other sensitive data. The email often attributes the need for verification of data, due to security concerns, to create a sense of urgency in responding. Be particularly cautious if the email contains an embedded link for you to access the site in order to update your information.
If you receive an unexpected email from a company or a government agency asking for your personal or financial information, contact the company or the agency cited in the email using a telephone number that you know to be genuine, or type in the web address that you know to be correct in order to verify the information contained in the email. Avoid emailing personal and financial information, as this is not a secure method of transmitting information.
SchoolsFirst FCU will never send you an email requesting your account number or your credit card number. We will be happy to verify the validity of any emails that you receive from SchoolsFirst FCU. Simply call our Member Contact Center or email us at firstname.lastname@example.org.
It is important that you monitor account statements and especially credit card statements carefully. Review all transactions on the statement and contact the institution as soon as possible if you notice any activity you don’t recognize.
If you have provided any personal information or financial information, such as your Social Security or credit card numbers in response to an unsolicited email, contact your credit union and other creditors immediately. In addition, contact one of the three national consumer reporting agencies, ask that a fraud alert be placed on your accounts, and obtain copies of your credit reports. All three of the major credit reporting agencies will be notified with just one phone call. You should also visit the Federal Trade Commission’s (FTC) identity theft website at www.ftc.gov/idtheft or call 877-IDTHEFT to file a complaint and learn more about how to minimize your risk of damage from identity theft. If you notice any irregular activity on your credit report, contact your local law enforcement agency as well.