ID Theft Prevention
U.S. Department of Justice data shows that identity theft is the fastest-growing crime in America. Identity theft occurs when someone uses your personal identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes and to get credit in your name. Because we are committed to your financial safety, we feel you need to know the latest info to keep yourself and your accounts safe.
How fraudsters obtain personal information:
- Dumpster Diving: Going through trash to find bills and papers with personal information on it.
- Phishing: Posing as financial institutions or companies like eBay or PayPal and sending spam or pop-up messages to get consumers to reveal personal information. Can also be in the form of text messages asking for your personal information or asking you to call a "fake" phone number or visit a "fake" website.
EFCU Debit Card
Visa® Credit Card
If out of the country call collect at 1-727-299-2449
Visa® Travel Money Card
Track your spending or dispute fraudulent transactions on your TravelMoney® Card online. www.innovativecardservices.com
Evansville Federal Credit Union wishes to notify you of the following alert(s):
We've gotten phone calls from members who are receiving a fraudulent automated phone call that are advising them their credit or debit card has been compromised and asking them to enter their 16 digit card number. This is fraud - we would never contact you to ask for your credit or debit card number. If we suspect that a debit or credit card has been compromised, we will contact you, but not with an automated call and we would not ask you to give us your card number or any other financial information. Please be cautious and never give out your personal or financial information to an unsolicited phone call, email and/or text.
Email Fraud Alert
We've seen some spam emails that appear to be from EFCU and are asking you to open and run an attached file. These emails are NOT from us. Evansville Federal Credit Union will NEVER send emails or texts asking you to download and run a file or submit your personal and/or financial information. Please do not open or run the file - it is spam.
The financial industry has recently encountered an increase in fraudulent wire transfer activity. Some instances of fraud activity have occurred via telephone and fax communications where the fraudster has forwarded an unsuspecting consumer’s phone number to the fraudster’s phone number. The fraudster then calls in or faxes in wire transfer requests and when the financial institution calls to confirm the information, the fraudster is answering the call, not the consumer.
To protect you, Evansville Federal Credit Union may request additional verification information from phone and fax wire transfer requests. To prevent a call forwarding service being set up on your phone number, contact your phone provider to find out how to have this service blocked or password protected.
Online shopping offers many benefits for gift givers who prefer to steer clear of the traditional shopping experience. Make your online shopping as safe as possible:
- Shop with merchants you know and trust.
- Always use a credit card online.
- Make sure the transaction is secure - look for the padlock icon in your browser window frame and the "https://" in the URL when you go to the checkout page.
- Confirm the bottom line price, shipping schedule, and return policy.
- Regularly check your accounts and billing statements. Be suspicious of bills that don’t arrive as usual, unexpected bills or account statements, and calls or letters about purchases you did not make.
Q: Can anyone else see my accounts over the Internet?
A: EFCU uses the latest technology to keep your account information secure. Security features exist at every level-from your PC, to the Internet, and over our secure network. The following features are offered for full security:
- password protection
- Enhanced Login Security
- lockout-access is denied after the fifth consecutive invalid login
- timeout-account Access automatically logs off after a designated period of time
- exit button-exits Internet Bill Payment and Account Access
- cache security-ensures that no one can view a member's account information by accessing the cache file
- encrypted URL-ensures that any account information that appears in the URL is not readable
- SSL (secure sockets layer) protocol-allows for the transfer of digitally signed certificates for authentication procedures, and provides message integrity, ensuring that the data can't be altered during a transaction. In SSL protocol, Web addresses usually start with "https" instead of "http"
Q: What can I do to maximize the security provided for my account?
A: The e-Banking service has several effective security techniques that we encourage you to implement when you use the e-Banking service:
- Never reveal your password to anyone or leave your password anywhere that someone else can obtain and use it.
- Change your password on a regular basis.
- Use the Exit button to end each Internet banking session. Do not use the Back button to exit the site.
- Change your session timeout in User Options to a time that meets your needs.
- Balance your account on a regular basis. e-Banking makes it easy!
Your credit report contains information about you, what accounts you have, and your bill paying history. The three credit reporting companies are required to provide you a free copy of your credit report each year if you request it. To order your free reports, visit www.annualcreditreport.com.