

Reporting
FirstCU Online Security
Guidance for Online Protection
Security Factors
- Something that the user knows (such as a password or PIN)
- Something that the user has (such as your ATM or debit card)
- Something that the user is (such as a fingerprint)
Layered Security
Internal Assessments
- Changes in the internal and external threat environment
- Changes in the member base adopting electronic banking
- Changes in the member functionality offered through electronic banking
- Actual incidents of security breaches, identity theft, or fraud
Reg E Protections
First Line of Defense is You
- Anti-virus software
- Anti-malware programs
- Firewalls
- Operating system patches and updates

4 Ways to Spot a Skimmer:
- Use your eyes. Check out the card reader very carefully. Do the numbers on the PIN pad look raised? Do they look newer or bigger than the rest of the machine? Does anything look like it doesn’t belong?
- Use your fingers. Feel the card reader before sliding your card into the slot. Do the keys feel raised? Is it difficult to insert your card? These are both red flags that the card reader may have been fitted with a skimming device.
- Hidden cameras are used in conjunction with the skimmer to make a video of your PIN number. The camera may be placed in a number of locations: on the ATM itself (near the keypad, above the screen, etc.) or nearby. Sometimes they’re so small they can be hidden in a tiny opening on the ATM.
- Watch for discrepancies in the shape, material, color, or contours of the ATM. If you notice slashes, cracks, scratches, and other signs of mechanical damage to the ATM, find another ATM location to use.
12 WAYS TO PRACTICE SAFE ATM TRANSACTIONS
FRAUD ALERTS
- Never release personal or account information to unsolicited e-mail, telephone calls or text messages.
- Keep your checks, plastic cards, and personal identification number(s) secure.
- Do not wire funds to unknown contacts.
- Sign up for online account access at FirstCU Online.
Be Safe With These Tips:
- Beware of e-Mails (phishing)
- Impostors can create fake web sites - down to the logo. If you get an e-mail that asks you to go to a web site and input personal details, ignore it! No bank, credit card company or your credit union will send an e-mail asking for this information.
- Do not open e-mails, click on embedded links or open attachments from unknown senders. First Service will not contact you for personal information, or to verify information, by e-mail.
- You can make your computer safer by installing and updating regularly your anti-virus software, anti-malware programs, firewalls, and operating system patches and updates.
- Impostors can create fake web sites - down to the logo. If you get an e-mail that asks you to go to a web site and input personal details, ignore it! No bank, credit card company or your credit union will send an e-mail asking for this information.
- Watch Your Mail
- Thieves can nab your statement, a credit card bill or other valuable information and change the address hoping you won't notice. Statements arrive on a regular cycle; if yours doesn't arrive, let the company know. We provide free online e-Statements to help protect our members from mail fraud.
- Thieves can nab your statement, a credit card bill or other valuable information and change the address hoping you won't notice. Statements arrive on a regular cycle; if yours doesn't arrive, let the company know. We provide free online e-Statements to help protect our members from mail fraud.
- Guard Your Social Security Number
- A zillion places will request your social security number, but you don't have to tell them. Who is entitled to know? Your employer, the DMV, your credit union or bank and the IRS.
- A zillion places will request your social security number, but you don't have to tell them. Who is entitled to know? Your employer, the DMV, your credit union or bank and the IRS.
- Cell Phones & Text Messages
- Do not respond to cell phone text messages from unknown sources. Thieves will send out text messages looking for personal information.
Examples of RECENT SCAMS:
- The FBI issued an alert about a new scam. This is an email you receive which threatens to make public all your private personal information, unless you pay a ransom in an electronic currency called Bitcoin. It is easy to get intimidated by threats like this, and you might be pushed into trying to prevent possible negative consequences. However, do not fall for pressure tactics like this, because if you do, your data will be sold to other scammers who will continue to haunt you. If you receive email extortion demands, do not answer, and do not pay anything. Report this scam to the FBI's Internet Crime Complaint Center (IC3) at http://www.ic3.gov/default.aspx. Remember... Always Think Before You Click!
- Here is a recent VISA scam, but this could be from another provider as well. The call has the appearance of being from VISA Security and Fraud Department. The difference with this Scam from others is that the caller has most of the information, which they provide to the Cardholder (instead of asking for information), and then they ask you to verify that the card is in your possession. To verify this, the caller will ask you to provide the numbers from the back of your card. That is the "missing piece of information" that the caller needs to use the card fraudulently. DO NOT PROVIDE THE CARD NUMBERS from the back of your card! Instead, tell them you'll call VISA directly for verification of the conversation and HANG UP!
- A Member reported an "advertisement" on the First Service web site. We DO NOT sell ad space on our web site. This is a virus from a program on your computer and is not embedded in our site. DO NOT RESPOND to the ad.
- Advertisements have been posted on Craigslist as part of member recruitment scams nationwide. The ads solicit current credit union members and offer $75.00 or more for their assistance in gaining membership for ineligible individuals. This Is a SCAM targeting credit unions and members across the country!
- An IRS scam asks you to respond to them concerning your last tax return. This is fraud. DO NOT REPLY. The IRS will not ask you to verify information by e-mail or text.
- If you are contacted and asked to provide credit union account information to verify your home or auto insurance, DO NOT REPLY! Instead, call your insurance agent at their direct number.
This will help you ensure fraudulent accounts have not been opened using your personal information. Additionally, the Fair Credit Reporting Act entitles consumers to a free credit report once a year from each of the three nationwide credit reporting agencies. Members can receive their report by contacting the credit reporting agencies directly or by visiting www.annualcreditreport.com.
Get into the routine of regularly checking your statements, reviewing your account transactions, and online activities. This will help identify unauthorized account activities early, preventing potential losses to your personal accounts.
Fraudsters will often use a game or a free offer that will request personal information, or will include spy ware to track and steal information from your computer or mobile device. Parents can protect themselves by encouraging their children to limit online contact to friends they actually know, setting privacy controls to restrict access to private information, and enabling parental controls that allow access to only trusted sites. Talk to your children about not giving out their name, address, date of birth, or any other personal information online without talking to a parent or trusted adult first.
Smart phone or social networking applications may provide application developers with access to your personal information, such as messages, contacts, e-mails and photos. Often, this information isn't related to the application's purpose. Instead developers may share member's information with marketers or other third parties. Consumers should read the privacy policy of each application before downloading to understand what private information they are sharing.
Financial statements, credit card offers and billing statements are examples of documents that should be shredded.
Fraudsters may impersonate a credit union (or other legitimate organizations) to trick consumers into giving out personal account information. This social engineering tactic is often utilized as part of an elaborate scheme involving phone calls, emails, text messages and other forms of communication. First Service will not ask you to verify account information by text, e-mail or pop-up messages. We will not ask you for sensitive information over unsecured communication channels.
U.S. Patriot Act
The Unlawful Internet Gambling Enforcement Act of 2006 and implementing regulations prohibit commercial members from receiving deposit or other credits of any kind relating to their operation of an illegal Internet gambling business. Under the Act, any person engaged in the business of betting or wagering (as defined by the statute) is prohibited from completing "restricted transactions," or knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling.
Your federal savings insurance coverage at First Service has increased to $250,000. Funds in your Individual Retirement Account are insured separate from and in addition to the $250,000 general share insurance rules.
Bauer Financial Services has given First Service a 5-STAR rating for Safety and Soundness. Learn more about their ratings.
Important Information You Should Know
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