Fraud Prevention

First Community Credit Union members have recently fallen victim to a phishing text message scam that appears to take them to a website similar to FCCU’s. After logging in, the credentials are then harvested and used by fraudsters, who then have full access to online banking profiles and account/routing numbers. They will then use this information to send fraudulent transfers, make payments to other money mule accounts, make fraudulent payments to credit products, etc. It is important that you stay vigilant in protecting your personal information as scams continue to become more common and complex. Please reach out to your local branch with any questions or concerns.

Phishing/Smishing/Vishing:

Phishing – Social Engineering attempt to acquire personal information such as usernames, passwords, account information, card information, etc.

Smishing – Phishing attach where a cell phone user receives a text message containing a link that, if clicked, would lead to a site containing malware and/or downloads malware to the phone.

Vishing – Social engineering attempt to gather information over the phone. Call often comes from a spoofed phone number to look like a well-known number. (Ex. Call comes through with a Credit Union phone number)

All the above social engineering techniques can result in the loss of funds and/or the compromise of personal information. It is important to safeguard your personal information and always be cautious when opening emails or links from individuals/businesses that you are unfamiliar with. Stay curious and when in doubt reach out to your local FCCU branch for assistance.

Quick Tips:

1. Don’t always trust the information at first glance.
2. Always check for inconsistencies
3. Do not share passwords or log-on information.
4. Be cautious when clicking links and opening attachments.
5. Do not provide personal information through social media, with unexpected callers, or those who do not have a legitimate need to know.
6. Contact the source at a trusted phone number, ex. From their actual website, number on the back of the debit card, etc.
7. Keep Social Media accounts private and be cautious who you connect with online.
8. Do NOT send funds to anyone you met online.
9. Invest in identity theft protection, like IDSafe Choice which is offered for $3 a month at FCCU.