保护你的钱和你自己免受欺诈.

• We encourage all our members to regularly check their account transactions for activity they don’t recognize, 包括欺诈存款.
• These deposits are often returned as counterfeit after the fraudster has already withdrawn them, 让你负责这笔钱.
• 如果你发现可疑交易, immediately notify ACFCU for potential fraud to protect yourself.

略读 captures magnetic info from a credit or debit card 和 uses it for fraudulent purposes. 为了防止你的信用卡被刷屏:

• Don’t use an 自动取款机 or credit card machine that looks tampered with.
• Protect your PIN with your h和 when you enter it into an 自动取款机 or credit machine.

网络钓鱼 scams include “spoofed” emails 和 fraudulent websites that appear as though they’re being sent by a person or organization you already know 和 ask you to provide or “verify” your personal, 个人信息(密码), 信用卡号, 账号, 等.). 避免网络钓鱼:

• Be cautious when using the internet 和 responding to telephone solicitations.
• Be suspicious of any email that is marked urgent request 和 asks for personal information.
• Do not click on the links in an email you’re unsure is authentic.
• 寻找 “http://” to appear in front of a web address when giving your debit or credit card info.
• 定期检讨你的帐目.
• Be suspicious of emails that claim to be from your financial institution 和 request information from you.
• Install a firewall 和 anti-spyware on your computer.
• Update your browser with 安全 patches regularly.

短信诈骗, “SMS”的组合, 发短信的专业术语, 和“钓鱼,” uses 文本 messages to prompt individuals to provide the “SMiSher” with their personal, 私人信息. 为了避免短信诈骗:

• NEVER respond to 文本 messages requesting personal, 私人信息. If suspicious activity has been detected on your account, we will call or 文本 和 you can follow the instructions to answer questions regarding your recent card activity.

身份盗窃, 这个国家增长最快的犯罪, occurs when someone steals someone else’s personal, 私人信息 和 then pretends to be that person. 降低身份被盗的风险:

• NEVER give out personal information over the phone/internet unless you initiated the transaction.
• Do NOT carry your social 安全 card in your wallet.
• Make copies (front 和 back) of all cards 和 pieces of information you carry with you in case your wallet is stolen 和 keep them in a secure location.
• Destroy all unused preapproved credit card offers immediately.
• Remove mail promptly from your mailbox each day 和 ask the post office to hold your mail until you return if you plan to be out of town for an extended period of time.
• Check your FREE credit report annually to ensure all information is accurate.

Be mindful of the information you share on social media platforms. Cybercriminals often use personal details gathered from your profiles to target you 和 even your family members.

Stay vigilant against phishing attempts by verifying the legitimacy of unexpected links in emails or messages, as these scams aim to exploit trust 和 compromise your online 安全. If you receive a call from someone claiming to be from a trusted company, 即使来电显示是合法的, it’s best to end the call 和 independently contact the company using a trusted number to verify the authenticity of the call.

你的社会安全号码是一项宝贵的信息. Only disclose it when absolutely necessary 和 to trusted entities.

If you receive unsolicited calls requesting sensitive information such as bank account details, SSNs, 生日, 或任何其他个人资料, 立即挂断电话. Legitimate organizations won’t ask for such information without a valid reason.

Enabling MFA on your accounts is crucial in securing your digital presence, significantly reducing the risk of unauthorized access 和 safeguarding your sensitive information from potential 安全 threats.

密切关注你的账单周期. If you notice that bills or financial statements are delayed, 请联系发件人确认情况.

Regularly review your credit card 和 bank 帐户报表. Compare receipts with the information on your statements to detect any unauthorized transactions promptly.

处理敏感文件，如收据, 信贷提供, 帐户报表, 把过期的信用卡撕碎. This helps prevent identity theft, especially from people rummaging through trash.

通过注册这些提醒, you’ll immediately be made aware of any suspicious activity associated with your accounts. Staying aware of account activity is important, particularly if there’s fraud.

Here are the steps to set up alerts on your account:

1. 登录到 在线 or 手机银行.
2. 如果是移动设备，请点击“更多的的菜单.
3. 点击“通知"和"警报”.
4. 选择帐户 您希望为其设置警报.
5. 点击“交易”, 设置你的偏好 在打开的窗户里.
6. 设定你的金额 和 交货方法. You can get a 文本, email or push notification, or all three!
7. 点击 保存.

Obtain 和 review your credit reports from major credit bureaus at least once a year. Ensure there are no suspicious activities or errors that could negatively affect your credit score.

If you suspect your identify has been stolen, consider freezing your credit files with Equifax, 益百利, Innovis, or TransUnion. Freezing your credit can help prevent unauthorized access to your credit history, making it more difficult for identity thieves to open accounts in your name.